As you prepare to enroll in Medicare for the first time, it's easy to find yourself with a lot of questions, especially if you're navigating the many options alone. Where do you even begin? What is the Medicare eligibility age? In New Jersey there’s over 1,000 combinations of ways that you can get your Medicare coverage. Read on to learn all you need to know as you begin this journey.
In the majority of cases, the minimum Medicare eligibility age is 65, however Medicare begins the first day of your birthday month (unless you were born the first of the month, then it starts the month before your birthday month). The below requirements are necessary to qualify for Original Medicare (Parts A and B), along with your age.
Additionally, you may be eligible for Medicare at an earlier age if you are in any of the below situations.
New Jersey residents should start the Medicare enrollment process three months prior to your Medicare eligibility age.
There are two categories for those enrolling in Medicare for the first time.
If you are already receiving retirement benefits from Social Security (SS) or the Railroad Retirement Board (RRB), you will be automatically enrolled in Parts A and B on the first of the month that you turn reach Medicare eligibility age. (Note: Puerto Rico residents must manually sign up for part B.)
Medicare Part B’s monthly premium will come out of your Social Security benefits check.
If you are not currently collecting Social Security benefits you will have to manually enroll in Medicare Part B. This can be done by bringing this form to your local Social Security office, calling Social Security at 1-800-772-1213, or online at https://www.ssa.gov/benefits/medicare/
You will be billed for Medicare (the first bill may be for multiple months) and can then set up your payment method, if you create an account on Medicare.gov you can pay online with a credit or debit card or direct debit from your bank account.
If you have questions you need answered about Medicare; whether it's the initial enrollment process, the Medicare eligibility age, or anything else, the good news is that you don't have to go it alone. Have a chat with someone through New Jersey Medicare Brokers. A Medicare broker is an unbiased, informed voice that can advise you on the steps to take, what plans you would like to consider, and how to find additional assistance.