There are three types of people that can get Medicare. The most common person is 65 years of age and has paid into social security for ten years. The ten years need not be consecutive but over their working lifetime.
The second type of person is someone who has been getting social security disability income (SSDI) for over 24 months.
The last person is someone with End Stage Renal Disease – which is kidney failure.
All these people have certain guaranteed enrollment periods where the insurance carriers cannot deny them for any preexisting conditions. They have 3 months before their Medicare Part B is effective, the month that it is effective, and 3 months after to enroll into any plan they’d like. Also, if they’re in a Medicare Advantage plan or a stand alone Part D plan, they can enroll into any plan between October 15th and December 7th and be guaranteed issued. The plan will start January 1st.
If they have a Medigap plan they can enroll into the same Medigap plan with any other carrier during their birthday month and not be denied. This applies to California residents specifically. The plan will be effective the 1st of the next month.
There are additional Special Enrollment Periods which I will cover in a coming blog.
- Contact Info: Samuel Schwartz (310) 773-1602 Email: firstname.lastname@example.org
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