Medicare: How do I get Medicare?
If you are already receiving Social Security, you will automatically be enrolled in medicare part A and B. Medicare A is for hospitalization and there is no charge. Part B is for health insurance and the premium (currently $100 a month) will be deducted from your Social Security benefit each month unless you choose to opt out.
To make sure that you are enrolled contact Social Security on-line at http://www.socialsecurity.gov/pubs/10043.html or visit their local office and ask them. A medicare card will be sent to you as proof of coverage. If you are not currently retired or receiving Social Security benefits when you turn 65, you will have to contact Social Security either their website or visit the local office and enroll.
Do not turn down part B, even if you have other health insurance benefits, Part B may be better and you might even consider canceling your present private health insurance and possibly save thousands of dollars a year for the same or better health care coverage. Sign up immediately.
As stated before Part B is only $100 a month and later when you pick a medicare supplement plan you might find one that pays part or the full amount or part of it with increased benefits. If you wait too long to sign up for Part B there are penalties such as delayed benefits and increased premiums.
In addition, God forbid, if you did suddenly need medical treatment your only recourse would be the emergency room at the local hospital and you would be responsible for 20% of the hospital’s bill. In addition you might have to pay 100% for any X-rays, lab tests, visiting doctor’s fee, or a host of other bills.
Therefore it is in your best interest to have Part B also. For a $100 a month it is well worth the peace of mind to know that if you do need emergency medical care you will only have to pay for 20% of it until you enroll in a good supplement plan where hopefully you will have no added expenses.