In order to make a sound plan for your retirement years, you need to understand when your Medicare coverage will begin. This is the first step in designing the optimal health insurance coverage for your retirement years. You can learn about New York Medicare eligibility requirements in 2023 by reading this short guide.
Most people are eligible to enter Medicare when they turn 65 years old. The way in which you enter the program depends on whether you are receiving Social Security retirement payments when you turn 65.
For those who are taking Social Security, they will enter Part A and B automatically when they turn 65. If you’re still working and you don’t need Medicare Part B, you can choose to delay this benefit if you’re covered by an employer plan and your employer has more than 20 employees. If your employer has fewer than 20 employees, you will probably have to get Part B when you turn 65.
If you’re not receiving Social Security when you turn 65, you’ll have to enroll manually. Of course, if you’re still working and you have qualifying employer coverage, you can safely delay taking Part B in this case, too. You will probably have to sign up for Part A, though.
If you have to enroll manually, you’ll have a seven month enrollment window in which to do so. This is technically known as your Initial Enrollment Period (IEP). Your IEP spans the three months before you turn 65 through the three months after you turn 65. You’re allowed to enroll in Medicare at any point during this window.
You might qualify for Medicare before you turn 65, though. This will happen if you meet any of these criteria:
Once you’re successfully enrolled in Parts A and B, you’ll be able to enroll in a private Medicare plan if you’d like. Most people choose to do this in order to either limit their out of pocket costs (like with Medicare Supplement Insurance or Medicare Advantage plans), or get coverage that’s not available with Original Medicare (like from a Prescription Drug Plan or Medicare Advantage plan).
For both Prescription Drug Plans and Medicare Advantage plans, you can enroll when you’re first enrolled in Medicare Part A and Medicare Part B. This is true even if you enter Medicare before you turn 65.
Some states won’t allow you to enroll in Medicare Supplement Insurance before you turn 65. However, New York has protections in place that allow you to get Medicare Supplement before you turn 65. Also unlike some other states, in New York, you can’t be charged more just because you’re in Medicare before your 65th birthday.
Now that you’re more familiar with the New York Medicare eligibility requirements in 2023, you can make a sound plan for enrolling in Medicare and choosing a plan that will suit your needs during your retirement.
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