Ways & How

how to sign up for Medicare Part A

how to sign up for Medicare Part A

When you are about to reach 65 years old, there is one important thing you need to know-- how to sign up for Medicare Part A. At 65, you not only celebrate your birthday but also are able to enroll in Medicare, a national program especially for senior citizens. Medicare is a health insurance program designed for senior citizens of the United States. There are, however, exemptions in terms of the age qualifications. Those citizens who are disabled and have been receiving Social Security Disability Income are qualified regardless of age, and also those suffering from a permanent kidney failure and Lou Gehrig’s disease. There are different kinds of coverage in Medicare. They are called Part A, B, C, and D. For this article we will be concentrating on Part A. Just like any other health insurance, there are certain qualifications for you to be able to enroll in Medicare. Any permanent U.S. citizens that have worked for at least ten years and have contributed to the Medicare system are all qualified to receive Medicare insurance. The fee is usually deducted from your payroll under Social Security taxes or Medicare taxes.

Your spouse is covered under your Medicare policy, which means he or she can receive benefits too. If you have a deceased child who was fully insured, and you are the dependent, you are also qualified to receive Medicare.  If your spouse is covered with the insurance and has died, you are still qualified to receive these benefits. The same is true for divorced couples. Medicare Part A is more or less hospitalization insurance. This includes coverage for hospital costs, selected hospital or healthcare fees, and nursing facilities for instances wherein you need one after your hospitalization. To sign up for Medicare Part A, here’s how:

  1. Three months prior to your 65th birthday, you should take note to sign up for Medicare Part A.  You will be able to start in the month of your birthday. If for any circumstances you weren’t able to so, you can still enroll during the general enrollment period which is from January 1 until March 31 with a corresponding penalty fee.

  2. You are automatically signed up for Part A if you are already receiving your Social Security benefits by the time you are 65. With this, you don’t have to worry about anything anymore because you are already enrolled.

  3. For those receiving disability benefits, you are automatically enrolled in Medicare Part A. The same applies for those receiving railroad retirement checks.

  4. If you are an automatic member, you will be informed months before you turn 65, and they will give you the details that you will need. Afterwards, you wait for the arrival of your Medicare ID.

If by any chance you didn’t pay any Medicare taxes but would like to get Medicare health insurance, you can still do so. All you have to do is pay the Medicare Part A premium as soon as you are qualified to enroll yourself. Be mindful of the scheduled time periods for enrollment. Also, even if you do not plan on retiring at the age of 65, it doesn’t mean that you don’t need to sign up. Everybody who is entitled to this benefit should sign up three months prior to their birthday whether retiring or not. Medicare is a good way to ensure that we can be taken care of properly if we ever get sick. Having medical insurance reduces your worries about the future. It’s one of the things that you can give yourself after working so hard for so many years. Do not forget, before reaching the age of 65; to learn how to sign up for Medicare Part A.


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