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You should apply for Medicare health insurance coverage exactly 3 months before you turn age 65. This includes both Medicare Hospital Insurance (Part A), which helps pay for inpatient care in a hospital or skilled nursing facility (following a hospital stay), some home health care and hospice care, and is free if you have worked and paid Medicare taxes long enough; and Medicare Medical Insurance (Part B), which helps pay for doctors’ services and many other medical services and supplies that are not covered by hospital insurance, and is available by paying a monthly premium. By applying for Medicare 3 months before you turn age 65, you allow sufficient time for your application to be reviewed and approved, and for your records to be set up in the Medicare system. However, if you wait to apply for Medicare Part B insurance, your coverage may be delayed and you may have to pay a higher monthly Part B premium.

Once you have been approved for Medicare insurance coverage, you should contact your current employer or private health insurance provider to convert your current health insurance plan over to a “supplemental” health insurance plan, which would be accessed only after Medicare coverage benefits have been exhausted. Such a conversion should provide you with a significant reduction in the cost of the monthly premiums that you have been paying for such health insurance coverage.”

To apply for Medicare insurance coverage, click here:






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