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⇾ I’m over 65 and retiring soon
Medicare: I'm Over 65 and Retiring
Who is eligible for Medicare?
↦ Age 65 or older
↦ Younger than 65 with a qualifying disability (a medical or physical condition lasting, or expected to last, more than 12 months and that prevents you from working)
↦ Any age with end-stage renal disease (permanent kidney failure requiring dialysis or kidney transplant)
Some people may also be “dual eligible,” meaning they are eligible for both Medicare and Medicaid, also known as MediCal. When enrolling in Medicare for the first time, there are many health plan options you can consider. Your choices can be divided into three options: Original Medicare, Medicare Advantage or insurance provided by your employer.
All about original Medicare
Original Medicare includes:
↦ Medicare Part A (hospital coverage)
↦ Medicare Part B (outpatient coverage)
All about Medicare Part A
All about Medicare Part B
There is a monthly premium for Medicare Part B, which is determined by your modified adjusted gross income reported on your tax return from two years prior. Depending on your income, you may pay more or less per month for your Medicare Part B coverage.
All about Medicare Part C - Medicare Advantage
Medicare Advantage plans offer the same coverage as Medicare Parts A and B, and may include prescription drug coverage, plus extra benefits like vision, hearing and dental, as well as access to care management services. These plans also provide financial protection through annual limits on out-of-pocket expenses. Medicare Advantage plans offer a low or no-cost monthly health plan premium beyond what you pay for Part B and give you access to care from doctors and hospitals that are within the plan’s network.
All about Medicare Part D - Prescription Drug Coverage
These plans are offered through private insurance companies, not the federal government. The cost for a Part D plan, and the drugs included in the plan, varies based on the plan you choose.
If you go 63 days or more without a Part D plan (or other credible drug coverage) after your initial enrollment period is over, you may owe a late-enrollment penalty. The late-enrollment penalty is calculated by multiplying 1 percent of the national base premium for a Part D plan by the number of full uncovered months you were eligible but didn’t join a Medicare prescription drug plan.
How to enroll in original Medicare after age 65
If you were already receiving Social Security benefits when you turned 65, you were automatically enrolled in Medicare Part A and should have received your Medicare card in the mail around your 65th birthday. If you are not receiving Social Security benefits, you may apply for Part A. You can apply online at http://www.ssa.gov/medicare or in person at your local Social Security office. Call 1-800-772-1213 to confirm Social Security office hours and holiday closures.
San Diego Social Security Office locations
↦ 8505 Aero Drive, San Diego, CA 92123
↦ 626 L Street, Chula Vista, CA 91911
↦ 367 Via Vera Cruz, San Marcos, CA 92078
↦ 2160 S El Camino Real, Oceanside, CA 92054
Enrolling in Medicare Part B (Outpatient coverage)
To learn more about how to avoid late-enrollment penalties, attend a no-cost educational Medicare meeting. If you have Original Medicare, you can choose to go to any doctor or hospital that accepts Medicare. All Sharp-affiliated doctors, hospitals and medical groups accept Original Medicare. If you are considering Original Medicare (Parts A and B), you may also want to consider enrolling in a Part D prescription drug plan or a Medicare Supplement insurance plan. These are both optional add-ons to Original Medicare.