Is Medicare Part A Mandatory At Age 65?

by | Last updated on January 24, 2024

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To make things easier, let's talk about Medicare Part A: Medicare Part A covers your basic hospital care. It's also usually free coverage. … The problem is that

you can't opt out of Medicare Part A

and continue to receive Social Security retirement benefits.

Do you have to keep Medicare Part A?

If you're eligible for premium-free Part A, you should enroll in Part A and Part B when you

turn 65

. If you have Marketplace coverage and you are getting the reduced premium or tax credit, it will stop once your Medicare Part A starts. You won't need this coverage once Medicare begins.

Is Medicare mandatory at 65?

At age 65, or if you have certain disabilities, you become eligible for through various parts of the Medicare program. While

Medicare isn't necessarily mandatory

, it is automatically offered in some situations, and may take some effort to opt out of.

Can you defer Part A Medicare?


You can defer Medicare Part A

. Since there's typically no cost associated with signing up, you mind find that it's in your best interest to sign up when first eligible.

Can I opt out of Medicare Part A?

To make things easier, let's talk about Medicare Part A: Medicare Part A covers your basic hospital care. It's also usually free coverage. … The problem is that

you can't opt out of Medicare Part A

and continue to receive Social Security retirement benefits.

What do I do if I don't want Medicare Part B?

Those who don't need Part B

can disenroll

—but it's not a straightforward process. The Centers for Medicare and Medicaid Services (CMS) doesn't make it easy to drop this coverage, and you'll need to speak with a representative to disenroll.

Is it mandatory to have Medicare Part B?

Medicare Part B is optional, but in some ways, it

can feel mandatory

, because there are penalties associated with delayed enrollment. As discussed later, you don't have to enroll in Part B, particularly if you're still working when you reach age 65. … You have a seven-month initial period to enroll in Medicare Part B.

What happens if you don't enroll in Medicare at 65?


If you

wait until the month

you

turn

65

(or the 3 months

after you

turn

65

) to

enroll

,

your

Part B coverage will be delayed. This could cause a gap in

your

coverage. In most cases,

if you don't

sign up for

Medicare

Part B

when you

‘re first eligible,

you

‘ll have to pay a late

enrollment

penalty.

Do I need to notify Social Security when I turn 65?

If you're not already getting benefits, you should contact Social Security

about three months before your 65th birthday to sign up for Medicare

. You should sign up for Medicare even if you don't plan to retire at age 65.

Can I be on Medicare and still work?

You can

get Medicare

if you're still working and meet the Medicare eligibility requirements. You become eligible for Medicare once you turn 65 years old if you're a U.S. citizen or have been a permanent resident for the past 5 years. You can also enroll in Medicare even if you're covered by an employer medical plan.

Can I drop Medicare Part B at any time?


Yes, you can opt out of Part B

. (But make sure that your new employer insurance is “primary” to Medicare. … In the event that you lose this insurance in the future, you won't incur a late penalty as long as you sign up for Part B again within eight months of retiring or otherwise stopping work.

Can you start Medicare in the middle of the month?

You can enroll in Medicare

at anytime during this seven-month

period, which includes the three months before, the month of, and the three months following your 65th birthday. The date when your Medicare coverage begins depends on when you sign up.

Does Social Security automatically deduct Medicare?

Can I have my Medicare premiums deducted from my Social Security payments? … In fact, if you are signed up for both Social Security and Medicare Part B — the portion of Medicare that provides standard

the Social Security Administration will automatically deduct the premium from your monthly benefit

.

Can I get Social Security without Medicare Part A?

If you aren't getting Social Security benefits, and you won't be getting them at age 65,

you must contact Social Security to apply for Medicare benefits

. See below. If you are already getting Social Security benefits, and you are entitled to premium-free Part A, you won't have to do anything.

Can I delay Medicare Part B without a penalty?


You may delay Part B

and postpone paying the premium if you have other creditable coverage. You'll be able to sign up for Part B later without penalty, as long as you do it within eight months after your other coverage ends.

Can I cancel Medicare Part B if I have other insurance?


You can disenroll from Part B and stop paying premiums for it

in this situation, regardless of whether it was you or your spouse who landed this new job. In other words, you're allowed to delay Part B without penalty if you have health insurance from current employment and the employer plan is primary to Medicare.

Maria LaPaige
Author
Maria LaPaige
Maria is a parenting expert and mother of three. She has written several books on parenting and child development, and has been featured in various parenting magazines. Maria's practical approach to family life has helped many parents navigate the ups and downs of raising children.