{"id":3467,"date":"2019-05-01T02:20:21","date_gmt":"2019-05-01T02:20:21","guid":{"rendered":"https:\/\/www.livingbyyourdesigninc.com\/?p=3467"},"modified":"2021-11-04T01:16:48","modified_gmt":"2021-11-04T01:16:48","slug":"medicare-enrollment-period","status":"publish","type":"post","link":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2019\/05\/01\/medicare-enrollment-period\/","title":{"rendered":"Medicare Enrollment Periods- They Are Complicated!"},"content":{"rendered":"<p>Are you over age 65 and still working or your spouse is still working and have Health Insurance through an Employer Group Health Plan (EGHP)?<span class=\"Apple-converted-space\">\u00a0<\/span>If so, you may be able to delay enrollment in Medicare Part B.<span class=\"Apple-converted-space\">\u00a0<\/span>Again, I said MAY.<span class=\"Apple-converted-space\">\u00a0<\/span>The rules for allowing you to refuse Medicare Part B during your Initial Enrollment Period (IEP), because you have an EGHP, state you can sign up for Part B any month you continue to have the EGHP or when you are going to lose this plan either because of retirement or your employer is discontinuing the plan.<span class=\"Apple-converted-space\">\u00a0<\/span>This is called a Separate Enrollment Period (SEP).<span class=\"Apple-converted-space\">\u00a0<\/span>If you stay on the Employer\u2019s Plan at age 65 because you or your spouse are continuing to work the Employer must have more than 20 employees.<span class=\"Apple-converted-space\">\u00a0<\/span>If so, then the Employer\u2019s Plan is your primary insurance.<span class=\"Apple-converted-space\">\u00a0<\/span>If the Employer has 20 or fewer employees then you MUST sign up for Medicare during the IEP.<br \/>\nThe IEP begins the 3 months before you turn age 65, the month you turn 65, and the following 3 months.<span class=\"Apple-converted-space\">\u00a0<\/span>If you sign up for Medicare in the 3 months preceding your 65<sup>th<\/sup> birthday then your Medicare will be effective the first day of the month you turn age 65.<span class=\"Apple-converted-space\">\u00a0<\/span>If you sign up the month you turn age 65, Medicare is effective the first day of the following month.<span class=\"Apple-converted-space\">\u00a0<\/span>If you sign up for Medicare in the 3 months following your 65<sup>th<\/sup> birthday then you are delaying<span class=\"Apple-converted-space\">\u00a0<\/span>your coverage even further, up to 5 months.<span class=\"Apple-converted-space\">\u00a0<\/span>It\u2019s very important to apply early for Medicare if you do not have an EGHP to avoid a loss of coverage.<br \/>\nThe SEP is the 8 month period starting the month after you stop working or lose your Employer\u2019s Plan.<span class=\"Apple-converted-space\">\u00a0<\/span>If you stop working in March then your SEP begins in April and ends in November.<span class=\"Apple-converted-space\">\u00a0<\/span>The month you enroll determines the month your Medicare Part B begins.<span class=\"Apple-converted-space\">\u00a0<\/span>If you enroll any month after April your Medicare Part B will begin the following month.<span class=\"Apple-converted-space\">\u00a0<\/span>If you know you are losing your EGHP you can also sign up the 2 months prior to March.<span class=\"Apple-converted-space\">\u00a0<\/span>This point is very important:<span class=\"Apple-converted-space\">\u00a0<\/span><b><i>If you have COBRA coverage, VA coverage, or a retiree health plan, you don\u2019t have coverage based on current employment. You\u2019re not eligible for a Special Enrollment Period.<\/i><\/b><br \/>\nPlease don\u2019t make that mistake!<span class=\"Apple-converted-space\">\u00a0<\/span>If you miss your Special Enrollment Period then you are restricted to signing up for Medicare during the General Enrollment Period (GEP) which is January, February, and March<span class=\"Apple-converted-space\">\u00a0<\/span>of each year and coverage is delayed until July of that year.<span class=\"Apple-converted-space\">\u00a0<\/span>You will also pay a 10% penalty on your monthly premium for each 12 month period you could have had Medicare but did not enroll.<span class=\"Apple-converted-space\">\u00a0<\/span>This penalty is for the rest of your life.<\/p>\n<p>There are also other factors to take into consideration when applying for Medicare Part B.<span class=\"Apple-converted-space\">\u00a0<\/span>If you have an EGHP and you want to sign up for Medicare as a supplement you may.<span class=\"Apple-converted-space\">\u00a0<\/span>But, keep in mind you may have an increase in your premium based on your income.<span class=\"Apple-converted-space\">\u00a0<\/span>This would be on top of the normal monthly Part B premium.<span class=\"Apple-converted-space\">\u00a0<\/span>This is called Income Related Medicare Adjustment Act (IRMAA). In some cases, this adjustment could double your Medicare Part B.<span class=\"Apple-converted-space\">\u00a0<\/span>Social Security can inform you if would fall into that category.<span class=\"Apple-converted-space\">\u00a0<\/span>Do your research before making these decisions and do it early!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you over age 65 and still working or your spouse is still working and have Health Insurance through an Employer Group Health Plan (EGHP)?\u00a0If so, you may be able to delay enrollment in Medicare Part B.\u00a0Again, I said MAY.\u00a0The rules for allowing you to refuse Medicare Part B during your Initial Enrollment Period (IEP), [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":17673,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[100],"tags":[],"class_list":["post-3467","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-medicare"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Medicare Enrollment Periods - Living By Your Design, Inc<\/title>\n<meta name=\"description\" content=\"There are many exceptions to the rules when we talk about the Medicare Enrollment Period. 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