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Applying for Medicare

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I just read somewhere that when you are close to eligibility for Medicare, you should apply ahead of time, as it takes several months for it to be processed.

Has anyone gone through this, and if so, how many months ahead of eligibility did you start the application process. I was thinking of asking at my employer's HR benefits department, since I will be dropped some time around January or February. I don't want to wind up in a situation where I don't have coverage for months before my Medicare application goes through.

I assume the same would apply for the Medigap insurance as well.

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Everything is online, but I recall them recommending applying 3 months before your 65th birthday

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I'm still a decade away from Medicare eligibility but have a question. Has anyone opted for different health insurance rather than Medicare? I switched to a hospital this year that participates in the state retirement system and just found out retirees are also offered health insurance. I'll compare the two plans and go with the one that's better for me. I'm just wondering if anyone here has opted for a different health insurance and the benefits they see of that over Medicare.

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I'm still a decade away from Medicare eligibility but have a question. Has anyone opted for different health insurance rather than Medicare? I switched to a hospital this year that participates in the state retirement system and just found out retirees are also offered health insurance. I'll compare the two plans and go with the one that's better for me. I'm just wondering if anyone here has opted for a different health insurance and the benefits they see of that over Medicare.

The plan offered by your retirement plan may be for supplemental insurance, not Medicare Part A. Check that out, because most information says that Medicare Part A MUST be your primary insurance, and the supplemental pays after that. We have a plan through my retired hubby's employer that works that way.

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I started online -- Apply Online For Medicare Boldly Go Online To Apply For Medicare

It was easy. I started a couple months before my 65th birthday. The card came. I also got a supplement.

I wouldn't go without health insurance so would use COBRA for any months between leaving a job and starting Medicare.

I just let HR know and changed to rare Per Diem. That status does not pay more per hour even without benefits. I'm only committed to being available one weekend shift a month. I work between 12 and 36 hours a week.

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Everything is online, but I recall them recommending applying 3 months before your 65th birthday

It won't be on my 65th birthday; I am on LTD and will eventually be terminated since I am unable to return to work at all. As of right now, I am still able to get my insurance at the employee rate, but that will terminate in about 9 months. I will be eligible for Medicare since I am on SSDI.

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