Qualifying for Medicare's Multiple Parts

You can qualify for Medicare Part A (Hospital) and/or Part B (Doctor) depending on whether you have a qualifying event such as turning 65 or qualifying for Medicare based on disability.

 

To Qualify for Medicare you will need be either 65 years or older or:

 

  • Have a chronic condition or disability and receive disability benefits for two years;
  • You have Lou Gehrig's disease;
  • You are experiencing end-stage renal disease and/or dialysis

 

If you are collecting Social Security benefits when you turn 65 years old you should be automatically enrolled in Medicare Parts A (Hospital) and B (Doctor).  If you elect to delay Medicare enrollment review the instructions given on the letter the Medicare card came in.

 

If you are not collecting Social Security benefits when you turn 65 you will have to apply for Medicare 3 months prior to your 65th birthday month.   If you decide to delay Medicare you do not have to do anything.

 

Apply for Medicare Benefits at the Social Security website.

 

How Do I Qualify for Additional Medicare Coverage in NJ?

If you need additional coverage not provided by Medicare Part A or B, you may qualify for the following (provided you already have Part A and B):

 

  • Medicare Advantage (Part C) -
    • Must be within either the Medicare Open Enrollment (Oct. 15th - Dec. 7th) or have a special enrollment opportunity such as retiring or new to Medicare.
    • Cannot have end-stage renal disease
    • Must live the NJ county the plan is offered in  
  • Medigap -
    • Health history questions can be asked if you do not have guaranteed issue
    • Must live in New Jersey
    • Cannot be enrolled in a Medicare Advantage plan.
  • Drug Coverage (Part D)-
    • Must be either the Medicare Open Enrollment (Oct. 15th - Dec. 7th) or have a special enrollment opportunity, such as retiring or new to Medicare.
    • Must live in New Jersey


To discuss your Medicare options contact New Jersey Medicare Brokers LLC today.

 

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