Jane Dotson
Medicare is a federal health insurance program for people aged 65 and over in the United States. If you are under 65, you may still be eligible for Medicare if you have a permanent disability, End-Stage Renal Disease (ESRD), or Amyotrophic Lateral Sclerosis (ALS), also known as Lou Gehrig's Disease. Signing up for Medicare can be done online, over the phone, or by contacting your local Social Security Office. You will need to decide whether to sign up for Part A (Hospital Insurance), Part B (Medical Insurance), or both. If you live in Puerto Rico or outside the U.S., you will need to sign up for Part B, as you will receive Part A automatically.
| Characteristics | Values |
|---|---|
| Who is eligible for Medicare in Florida? | People aged 65 and over. People under 65 may be eligible if they have a permanent kidney failure, receive Disability benefits, or have Lou Gehrig's Disease (ALS). |
| How to apply for Medicare in Florida? | Online at Social Security, by calling the Railroad Retirement Board, or by contacting your Social Security Office. |
| What is included in Medicare? | Part A (Hospital Insurance) and Part B (Medical Insurance). |
| When to apply for Medicare? | The Initial Enrollment Period begins 3 months before turning 65 and ends 3 months after the month you turn 65. |
| Are there any penalties for late enrollment? | Yes, if you don't sign up for Part B within 3 months of turning 65, you may have to pay a monthly late enrollment penalty. |
| Can I cancel my Medicare coverage? | Yes, you can cancel by submitting CMS Form 1763 to your local Social Security office. |
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What You'll Learn
Eligibility requirements for Medicare in Florida
Medicare is a federal health insurance program for people aged 65 and over. In Florida, there are several ways to apply for Medicare, including online, by phone, or in person at a Social Security office.
If you are already 65 and are enrolled in Social Security and receiving benefits, you will be automatically enrolled in Medicare Part A and Part B. You will receive your Medicare ID card in the mail before your 65th birthday. If you need to enroll in Medicare for the first time, you have an initial enrollment period that lasts seven months, beginning three months before your 65th birthday.
If you are under 65, you may still be eligible for Medicare if you have a disability, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig's Disease). If you have Lou Gehrig's Disease (ALS), you will receive Medicare Parts A and B immediately when you enroll in Social Security disability benefits. Additionally, if you are covered by an employer group health plan and plan to work past the age of 65, you can still enroll in Medicare. It is recommended to speak with your human resources department before enrolling to ensure you make the right decision.
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How to sign up for Medicare Part A
Signing up for Medicare Part A (Hospital Insurance) depends on your situation. If you are 65 or older, you can enrol online for Part A only. You can also delay Part B if you're already covered through an employer's group health plan. If you are under 65, you may be eligible for Medicare Part A if you have a disability, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig's Disease). You can also qualify if you receive Disability benefits or have permanent kidney failure. If you have ALS or ESRD, you will receive Medicare Part A immediately when you enrol in Social Security disability benefits.
If you already receive Social Security retirement benefits between the age of 62 and up to 4 months before turning 65, you will be automatically enrolled in Medicare Part A when you turn 65. If you apply for Social Security 3 months before turning 65 or later, you can sign up for Medicare when you apply for Social Security. The Initial Enrollment Period to sign up for Medicare begins 3 months before you turn 65 and ends 3 months after the month you turn 65. If you miss this period, you may have to pay a penalty.
If you are not ready to receive Social Security benefits at 65 because you are still working, you can apply online for Medicare only. Alternatively, you may be able to wait until you retire to sign up during a special enrollment period. If you or your spouse worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772.
You can sign up for Medicare Part A online at Social Security. You will need to create a secure my Social Security account to sign up for Medicare or apply for benefits. This is the easiest and fastest way to sign up and get any financial help you may need.
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How to sign up for Medicare Part B
Medicare is the federal health insurance program for people aged 65 and over. If you are under 65, you may be eligible for Medicare if you have a disability, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig's Disease).
Medicare Part A is insurance for hospitalization, home or skilled nursing, and hospice. Medicare Part B is medical insurance.
- If you are 65 or older, you can enrol online for Part B. You can delay Part B if you are already covered through an employer group health plan.
- If you already have Part A and want to sign up for Part B, you can sign up for Part B only.
- If you live in Puerto Rico or outside the U.S., you will need to sign up for Part B.
- You can apply online (at Social Security) – this is the easiest and fastest way to sign up and get any financial help you qualify for. You will need to create a secure my Social Security account to sign up for Medicare or apply for Social Security benefits online.
- You can apply online to sign up for Part B if you already have Part A. Have your employer fill out form CMS-L564. Send the completed form to your local Social Security office by fax or mail.
- You can apply by phone: Call the Social Security Administration national customer hotline at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call 1-800-325-0778.
- You can apply in person: Visit your local Social Security office.
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Medicare Advantage and drug plans
Medicare Advantage Plans, also known as Part C or MA plans, are provided by Medicare-approved private companies that follow Medicare-set rules. These plans are available to those who have Part A and Part B. Most Medicare Advantage Plans include drug coverage (Part D).
Before joining a Medicare Advantage Plan, it is important to talk to your employer, union, or benefits administrator about their rules. Joining a Medicare Advantage Plan may cause you to lose your employer or union coverage. If you lose your employer or union coverage, you may also lose coverage for your spouse and dependents.
Medicare Advantage Plans include:
- Health Maintenance Organizations (HMOs)
- Preferred Provider Organizations (PPOs)
- Special Needs Plans (SNPs)
- Medicare Medical Savings Accounts (MSAs)
- Private Fee-for-Service Plans (PFFS)
You can review and sign up for Medicare Advantage and drug plans on Medicare.gov.
It is important to note that each year, insurance companies can decide to join or leave Medicare. If a plan decides to stop participating in Medicare, you will have to join another Medicare health plan or return to Original Medicare. A Medicare Advantage Plan can also disenroll you for several reasons, such as if you move outside the plan's service area, lose Medicare or Medicaid eligibility, or if the plan's contract with Medicare ends. In these cases, there is a grace period during which you are eligible for a Special Enrollment Period.
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Cancelling Medicare Part A or Part B coverage
If you need to cancel your Medicare Part A or Part B coverage in Florida, there are a few things you should know. Firstly, it's important to understand the difference between the two parts of Medicare:
- Medicare Part A (Hospital Insurance) covers inpatient hospital care, home or skilled nursing, and hospice.
- Medicare Part B (Medical Insurance) covers outpatient care, including treatment received in a doctor's office, clinic, hospital outpatient department, or ambulatory medical center.
You can generally only drop Part A if you have to pay a premium for it, also known as Premium-Part A. On the other hand, you can choose to drop Part B at any time, but you must have alternative health insurance to meet your outpatient healthcare needs.
To cancel Medicare Part B, you must submit a form to the Social Security Administration and return your Medicare card. If you drop Part B but keep Part A, Medicare will send you a new card indicating that you now only have Part A coverage.
If you received a welcome packet stating automatic enrollment in both parts, you should follow the instructions provided for canceling one or both parts. You may still be liable for the Part B premium if you don't follow these instructions.
To cancel Medicare Part A (if you pay a premium), you usually need to send a written request with your signature. You can also contact your local Social Security office for more information. Remember that if you choose to cancel, there may be a gap in your health insurance coverage.
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Frequently asked questions
You can apply for Medicare online at Social Security. You will need to create a secure my Social Security account to sign up for Medicare or apply for benefits.
If you are 65 or older, you can enroll in Medicare. If you are under 65, you may still be eligible if you have a permanent disability, End-Stage Renal Disease (ESRD), or Lou Gehrig's Disease (ALS).
Medicare Part A is insurance for hospitalization, home or skilled nursing, and hospice. You may get Part A automatically if you are receiving Social Security benefits or Railroad Retirement Board benefits. Medicare Part B is medical insurance, and you need to sign up for it separately.
The Initial Enrollment Period begins 3 months before you turn 65 and ends 3 months after the month you turn 65. If you miss this period, you may have to pay a late enrollment penalty.
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