After registration, when does your health insurance card arrive?


You will receive your Medicare card in your Welcome to Medicare package. The timeline is based on how you enrolled in Medicare.

If you already receive social security benefits at least four months before your 65th birthday, you are automatically enrolled in Medicare. You will receive your card in the mail three months before your Medicare coverage begins.

You can start using the card at the start of the month you turn 65, or if your birthday falls on the first of the month, you can start using it at the start of the previous month. The start date for Parts A and B will appear on the front of the card.

You are automatically enrolled in Parts A and B, except in Puerto Rico, where you are automatically enrolled in Part A only. Your Medicare Part B premiums, $170.10 per month in 2022, will generally be automatically deducted from your social security benefits. High earners pay higher premiums.

If you — or your spouse — are still working and you have health insurance from a company with 20 or more employees, you may not yet need Part B or its premiums. If you do not want to keep Part B, check the box on the back of the Medicare card that says “I do NOT want Part B (medical insurance)”, sign the back of the card, and return it to Medicare. Medicare will send you a new card in a few weeks with Part A only.

Before returning the card, write down your health insurance number so that you can always use Part A before the new card arrives. Be sure to register for Part B no later than eight months after losing employer coverage to avoid a late registration penalty.

If you did not start receiving Social Security benefits at age 65, you will need to take steps to enroll in Medicare. When you’ve completed the enrollment process, expect the card to be mailed with your Medicare Welcome Package approximately two weeks later. But for 2022, your Medicare coverage effective date will be different.

These days, most people delay applying for Social Security retirement benefits because their full retirement age is over 65. But they are eligible for Medicare at age 65.

Enrollment during your initial enrollment period, which begins three months before the month you turn 65 and lasts until three months after, is important if you don’t have insurance with an employer current and often a good idea if you are eligible for the premium waiver. Part A. If you register:

  • Before the month of your birthday, your coverage begins at the beginning of the month you turn 65.
  • During your birthday month, your coverage begins on the first day of the following month.
  • In the last three months of your initial enrollment period, coverage will be delayed for two or three months.

Starting in 2023, if you enroll in the month you turn 65 or later, coverage will begin the month after you enroll.

You can delay enrolling in Medicare and getting your card if you or your spouse are still working, have health insurance with that employer, and want to continue without adding Part A so you can continue contributing to a Health Savings Account (HSA). You can benefit from a special registration period to register later.

If you miss your initial registration period and are not eligible for a special registration period, you will have to wait to register until the next general registration period from January 1 to March 31 each year. . Coverage will begin the month following your enrollment. But beware: depending on your situation, you may face a late registration penalty.

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