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Ashford Insurance is an Independent Marketing Organization working with United HealthCare Medicare Solutions.

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DFW Medicare Solutions

Ashford

Insurance

Medicare Insurance Made Easy

Medicare is the federal health insurance program for:

people who are 65 or older
certain younger people with disabilities and
people of any age with End-Stage Renal Disease (ESRD) which is permanent kidney failure requiring dialysis or a kidney transplant

When to apply for Medicare depends on your unique situation. Also, Medicare can be reached online at medicare.gov or by calling the Medicare phone number 1-800-MEDICARE. It is extremely important to get Medicare coverage right and I can guide you. Here are the two most common scenarios for most people:

Generally speaking, if you are turning 65 you are eligible to apply up to 3 months prior to your birthday month (ex. you are turning 65 in August, then you may apply beginning on May 1st).

Or, say you are 65+ and will be losing your group health insurance (credible coverage), then you may apply 2 months prior to when that will be.

Are You Eligible for Medicare?

Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years old and a citizen or permanent resident of the United States.

If you are not 65, you might also qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant).

Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums if:

You already get retirement benefits from Social Security or the Railroad Retirement Board.
You are eligible to get Social Security or Railroad benefits but have not yet filed for them.
You or your spouse had Medicare-covered government employment.

If you are under 65, you can get Part A without having to pay premiums if:

You have received Social Security or Railroad Retirement
Board disability benefit for 24 months. You are a kidney dialysis or kidney transplant patient.

While you don’t have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it. It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months.