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Understand Your Initial Enrollment Period

Copyright © 2014 AARP. All rights reserved.

The initial enrollment period (IEP) is the earliest time that you’re entitled to sign up for Medicare. Typically, it occurs around the time you reach 65. But [more…]

When to Delay Medicare Part B

Copyright © 2014 AARP. All rights reserved.

What are the conditions for being able to delay Medicare Part B and how you can use the special enrollment period to eventually sign up for Part B? [more…]

How Do I Delay Medicare Part B without Penalty?

Copyright © 2014 AARP. All rights reserved.

Why should you delay Medicare Part B? When you’re covered by health insurance at work (whether from your own or your spouse’s employer) as well as Medicare, that [more…]

What to Do about Medicare Part A If You Delay Part B

Copyright © 2014 AARP. All rights reserved.

Most people who delay Medicare Part B nonetheless sign up for Part A during their initial enrollment periods at age 65. In most cases, doing so has no downside [more…]

Medicare and Health Savings Accounts

Copyright © 2014 AARP. All rights reserved.

The decision to delay Medicare Part B isn’t normally affected by what kind of health coverage you have at work. But if your employer insurance combines a high-deductible [more…]

How to Use Medicare's Special Enrollment Period

Copyright © 2014 AARP. All rights reserved.

So if you’ve delayed Medicare Part B enrollment beyond age 65 because of current employment (either your own or your spouse’s), how does the special enrollment [more…]

When to Enroll in Medicare for Legal Permanent Residents

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The general rule is that at age 65 or older, you must have established legal residency (gotten a green card) and have lived continuously in the United States [more…]

When to Enroll in Medicare if You Live Outside the United States

Copyright © 2014 AARP. All rights reserved.

Foreign residency can be a tricky situation when it comes to enrolling in Medicare. You can’t use any Medicare services outside the United States, yet in most [more…]

When to Enroll in Medicare if You’re In a Nontraditional Marriage

Copyright © 2014 AARP. All rights reserved.

So this question arises: If you’re the covered partner (as opposed to the partner whose employer provides the benefits), can you delay Part B enrollment if your [more…]

How to Enroll in Medicare if You’re Incarcerated

Copyright © 2014 AARP. All rights reserved.

If you turn 65 when living in prison or any other type of correctional institution, you face much the same predicament for Part B enrollment as nonworking Americans [more…]

Medicare Part D When You Have Drug Coverage from Elsewhere

Copyright © 2014 AARP. All rights reserved.

You don’t need Medicare Part D if you already have creditable drug coverage from another source. Creditablemeans something that can be credited or counted. So [more…]

Do You Need Medicare Part D if You Don’t Take Medications?

Copyright © 2014 AARP. All rights reserved.

People new to Medicare very often ask, “Why should I pay out good money for Part D when I don’t use any prescription drugs?” It’s a perfectly fair question. But [more…]

When Should You Enroll in Medicare Part D?

Copyright © 2014 AARP. All rights reserved.

The “best” time to enroll in Medicare always depends on your circumstances. Check out your own situation on the following list to see how to avoid late penalties [more…]

What Happens if You Miss Your Deadline for Medicare Part B?

Copyright © 2014 AARP. All rights reserved.

Nobody can force you to sign up for Medicare and pay premiums if you don’t want to. But if you think you’ll need Medicare at some stage in the future, you should [more…]

What Happens If You Miss Your Deadline for Medicare Part D?

Copyright © 2014 AARP. All rights reserved.

Part D prescription drug coverage is voluntary. But it, too, comes with consequences if you enroll in a Part D drug plan later than you should. If you miss your [more…]

Is Your Medicare Late Penalty a Mistake?

Copyright © 2014 AARP. All rights reserved.

Mistakes in Medicare coverage and penalties do happen. Government bureaucracies are certainly not immune to human error and computer glitches. Social Security [more…]

Can You Get a Medicare Late Penalty Revoked?

Copyright © 2014 AARP. All rights reserved.

Depending on your situation, the answer to the question “Can you get a late penalty revoked?” may be “yes,” “maybe,” or “forget about it.” But you have the right [more…]

Why Does Medicare Have Penalties on Benefits?

Copyright © 2014 AARP. All rights reserved.

Signing up later than your personal deadline can result in having to wait for benefits and pay higher premiums for Part B and Part D for all future years. The [more…]

Am I Automatically Enrolled in Medicare Parts A and B?

Copyright © 2014 AARP. All rights reserved.

Social Security automatically signs you up for Medicare — without any action on your part — in each of the following circumstances: [more…]

3 Ways to Sign Up for Medicare in the United States

Copyright © 2014 AARP. All rights reserved.

You have three options for enrolling in Medicare Part A and/or Part B. In most cases, you can choose any of these methods regardless of whether you’re applying [more…]

Apply for Medicare if You Live in Different Places throughout the Year

Copyright © 2014 AARP. All rights reserved.

In a situation where you live in different places throughout the year, how and where do you sign up for Medicare? Many American retirees are sunbirds or snowbirds [more…]

How to Opt Out of or Disenroll from Medicare Part A

Copyright © 2014 AARP. All rights reserved.

Whether opting out of Part A or Part B is a good idea depends on your circumstances. But it’s always something you should consider extremely carefully to avoid [more…]

Can You Enroll in Medicare while Living Abroad?

Copyright © 2014 AARP. All rights reserved.

If you live outside the United States, make sure that you understand your options for the timing of Medicare enrollment. The choice you make — whether to sign [more…]

Help Someone Apply for Medicare Who Needs Help with English

Copyright © 2014 AARP. All rights reserved.

Comprehending the complexities of Medicare — let alone the jargon that officials often use in trying to explain them — is hard enough even for native English [more…]

When Does Your Medicare Coverage Begin?

Copyright © 2014 AARP. All rights reserved.

Identifying when your Medicare coverage begins can actually affect some of the decisions you make about enrolling. For example, if you know that missing your [more…]

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