If you’re approaching Medicare in Wyoming and you need to know when your coverage will start, read this quick article. We’ll cover the eligibility and entry provisions of Original Medicare as well as the major private Medicare insurance coverages. Read on to learn about the Wyoming Medicare eligibility requirements for 2022 and beyond.
Since Original Medicare is the basis for all of your Medicare coverage, we’ll cover the rules governing Parts A and B first.
First off, you should know that most Americans are eligible for Medicare. The only requirements for eligibility are that you be a citizen of the U.S. or a permanent legal resident. If you meet this requirement that means you are eligible to participate, and that you will be able to have coverage at some time during your.
While you may be eligible to participate, your benefits won’t actually start until you enter the program. When you enter Medicare is governed by four life events, or triggers. The four potential triggers are:
The last three triggers can all happen at any age; if one of them applies to you, you’ll be able to start your Medicare coverage early, before age 65.
For those people who have to wait until they turn 65 (most American’s), you’ll gain access to a seven month enrollment period called your Initial Election Period (IEP) in the lead-up to your 65th birthday. The enrollment window begins on the first day of the month three months before your birth month.
Although you’ll likely be eligible to enter Medicare at 65, it is possible to delay your coverage. You might do this if you’ll keep working past 65 and can keep your employer coverage. If you’re able to do this, you will get a second, special, enrollment period when your employer coverage comes to an end.
Most people on Medicare decide to enroll in a private insurance plan of some kind. The three main kinds are Medicare Supplement Insurance, Part D drug plans, and Part C Medicare Advantage plans. The eligibility rules for each one of these are slightly different.
The eligibility rules for Part D drug plans are very simple. You just have to be enrolled in either Part A or Part B. There are no other requirements.
Medicare Advantage plans have slightly more difficult provisions. To get this coverage, you’ll have to be enrolled in both Parts A and B. Besides this, though, there are no other requirements.
Medicare Supplement Insurance requires you to be enrolled in both Part A and Part B. Getting this coverage if you enter Medicare at 65 or older is not a problem. It can be difficult to get supplement coverage if you enter Medicare prior to age 65, however. These rules are set at the state level, and Wyoming does not require insurance companies to cover people younger than 65. If you enter Medicare early in Wyoming, you’ll likely have to wait until you turn 65 to get a Medicare Supplement Insurance plan.
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