Turning 65 Soon?

Frequently Asked Questions

I am going to be 65 soon, how do I get Medicare?

If you are drawing a Social Security benefit your enrollment will be automatic and you should receive your Medicare card three months before your birthday.  If you are delaying your Social Security Benefit  and you want Medicare, you must initiate your enrollment.  You may enroll into Medicare by calling Social Security, going online to SSA.gov or going to a local Social Security office.  Your Initial enrollment period begins 3 months before the month of your 65th birthday and lasts for 3 months after the month of your 65th birthday.  Enroll before your birthday if you want coverage to begin right away.


When I turn 65, do I need Medicare Coverage?

If you are not covered by a creditable Group Health Plan from current employment, yours or your spouse’s, you will want to enroll into Medicare to avoid penalties later.


I have retiree coverage through my past employer, do I need Medicare?

Yes, Retiree coverage is secondary to Medicare once you are 65 and you may have a penalty if you delay enrolling into Medicare.


Does Medicare cover all of my medical?

No, You will want to explore options to cover what Medicare does not cover. You may consider adding a Medigap policy or explore Medicare Advantage plans.


Am I covered for prescriptions under Medicare?

Yes, if you enroll into Medicare Part D or an “Advantage” plan with drug coverage.


Will I still be able to use my red, white & blue Medicare card if I have an “Advantage” plan?

No, you will be given a special card from your new insurance company.


I already have Medicaid, do I need Medicare when I turn 65?

Yes, Medicaid will be secondary to Medicare once you are 65.  Notify your DHHS specialist of your Medicare start date and request to be assessed for other Medicaid and the Medicare Savings Program.


What if I cannot afford the Medicare Premiums?

You may qualify to have the Medicare premium paid for you and for help with Prescription Drug costs.  Call MMAP or call LCCC for more information and assistance applying.

NOTE: If you do not qualify for Premium free Medicare Part A, call to explore your options.