With all the choices, Medicare can drive people to insanity. Before you let the stress of choosing what type of coverage you want, complete your first step and simply apply for Medicare.
From what I have learned, if you are already taking out Social Security benefits prior to becoming eligible for Medicare and you qualify for free Part A, you will be auto enrolled into Medicare Part A and Part B.
However, if you aren’t taking your benefits yet, you’ll need to apply yourself. Here’s how to apply for Medicare.
How to Apply for Medicare Online
Other than being auto enrolled, applying online is the easiest way to apply for Medicare. It’s quick and simple, and you don’t have to stand in line or wait on hold for an hour.
First, go to ssa.gov and press menu. This will bring up a whole slew of items. You’ll see in the “Benefits” section at the top the word “Medicare”. Click it!
Next, scroll down to the section that says, “How To Apply Online For Just Medicare”. You should see a blue box that says, “Apply for Medicare Only”, press that.
Then, on the next page press “Start a New Application”. From there, simply complete the online application and wait for your Medicare ID card to be mailed to you.
How to Apply for Medicare in Person
Position number three on our “Easy to Difficult” scale is applying for Medicare in person. Visit your local Social Security office and let them know that you would like to apply for Medicare.
Once you have finished applying, you can ask the representative to print you off a piece of paper stating that you have applied for Medicare.
This paper should have your Medicare ID number and other helpful information you can keep on hand until you get your actual Medicare ID care in the mail.
How to Apply for Medicare by Phone
The final and most difficult way to apply for Medicare is by phone. Not only is this way difficult but it can take you weeks to fully complete the process.
Start by calling the Social Security Administration at 1-800-772-1213. Explain to them that you’d like to apply for Medicare. Depending on how busy they are, you may have to sit on hold or schedule a telephone appointment to complete your application at a later time.
The Social Security office will have to mail you forms to complete that you will then have to mail back to them. This only could take a couple of weeks. After that is done, sit back and wait for your Medicare ID card to be mailed to you.
If you want to apply for Medicare by phone, I’d suggest doing it as soon as you become eligible. That way you can get your coverage on time.
See, applying for Medicare is a lot easier than most of us make it out to be. I think the reason the majority of us panic about Medicare is because it’s new – it’s change. No one enjoys change.
When you take a step back and look at the big picture, applying for Medicare is one of the smallest changes a person will make in a lifetime.