Getting Medicare without Social Security is common, as many aren’t ready to start Social Security within three months of turning 65 years old.
We’re here to clear things up; many people think you must have Social Security benefits before getting Medicare. That’s false information.
If you paid into it and earned enough credits, you may apply for Social Security as early as 62 years old. On the other hand, the latest you can apply for Social Security is 70 years old.
However, enrolling in the Medicare program is for those 65 and older. Also, if you have a disabling health condition, you may take Medicare earlier.
Can I File for Medicare Without Social Security
Many beneficiaries join Medicare within three months of their 65th birthday – even while still working.
You don’t need Social Security to file for Medicare.
You don’t need to qualify for Social Security to get Medicare coverage either.
If you’re a 65-year-old US citizen or permanent resident of at least five consecutive years, you may be eligible.
Medicare premiums may not come out of Social Security checks; therefore, you pay Part B monthly premiums to the plan directly.
Do You Automatically Get Part A With Social Security
Yes, you automatically get Medicare when enrolled in Social Security benefits, either at age 65 or after 24 months of disability benefits. The Social Security Administration automatically enrolls you in Parts A and B at the age of 65 if you already receive benefits.
The Centers for Medicare & Medicaid Services (CMS) operates the program; meanwhile, Social Security oversees member enrollment. Our laws state that Medicare eligibility is once your 65th birthday rolls around or two years of disability benefits.
Social Security sends new members enrollment instructions at the start of your Initial Enrollment Period (IEP). Your IEP starts three months before your birthday month when turning 65.
How do I Pay for Part B Premiums Without Social Security
Part B premiums automatically get taken from your Social Security check if you collect retirement benefits. Not all beneficiaries are on Social Security; so, Medicare sends a bill once every three months.
Expect a bill for Part A unless you qualify for premium-free Part A. There are a few ways to can pay premiums.
Utilize the Medicare Easy Pay by signing up through Medicare. Easy Pay is automatic payments from a checking account.
Other methods include paying by check and mailing payments to a Medicare Premium Collection Center. At the bottom of the bill, you’ll find directions on making credit card payments.
Contact your plan directly to set up a method of payment for premiums.
Can I get Medicare if I’m Not Eligible for Social Security
Yes, you can get Medicare when not eligible for Social Security. Everyone may not qualify for Social Security, but everyone qualifies for Medicare once they turn 65.
There are two main reasons you may not be eligible for social security. The most common cause is due to insufficient years of work, resulting in a lack of Social Security income tax payments.
Although most people in America contribute to Social Security through payroll taxes, the maximum amount of taxable earnings is $132,900.
Government employees don’t collect Social Security. Instead, government employees pay into a pension plan.
If you work for the government, contact your benefits administrator to discuss your retirement options.
Can You Get Medicare if You Never Paid into Social Security
You never paid into Social Security if you’ve never worked. Both Social Security retirement benefits and Medicare eligibility often depends on your employment history and how much you paid into payroll taxes.
However, this isn’t the only option for getting Medicare. Medicare is a federally funded program for all US citizens ages 65+.
Disabled individuals and those with permanent kidney failure qualify for benefits regardless of age or amount contributed.
What is the Difference Between Medicare and Social Security?
Medicare is a replacement for the health insurance you had throughout your working years. The federal program helps pay your medical costs.
Social Security retirement benefits are not the same thing as Medicare.
Social Security benefits come from former employers and by paying into payroll taxes. Each month of retirement, you get a check with a fixed amount.
Are SSDI and SSI the Same?
It’s easy to mix these two acronyms up, with only one letter difference. SSDI is Social Security disability insurance for disabled people.
If you receive SSDI benefits, Medicare provides coverage two years after being diagnosed as disabled.
SSI stands for Supplemental Security Income through Medicaid. In most states, individuals receiving SSI may face asset and income limitations.
SSI is for those in need, and circumstances vary by state and counties.
In some cases, a disability beneficiary qualifies or concurrent benefits. Meaning, they receive disability checks from both SSDI and SSI.
However, it can be unclear if the recipient gets benefits from Medicare or Medicaid. If you qualify for concurrent benefits, contact your local Social Security office and ask about eligibility.
Will my Social Security Disability Increase When I Turn 65?
No. Nothing changes when you reach retirement age if you currently collect SSDI benefits. Your SSDI checks become Social Security Retirement benefits upon full retirement age.
The Social Security Administration changes your disability benefits to retirement benefits. However, this age is different for many people, varying by birth year.
The age used to be 65 for seniors born in the year 1937 or earlier. Today, seniors born between 1943 – 1954 reach full retirement age at 66 years old.
The age of eligibility for Medicare stays the same. Workers qualify for coverage at the age of 65 or older.
If you delay Social Security until you reach full retirement – you must still enroll in Medicare when you become eligible. The exception is having other group health insurance or facing late enrollment fines.
Getting Medicare Before Retirement
The lines can seem unclear about getting Medicare without Social Security. Not to worry, we’re here to help!
At MedicareFAQ, our agents are happy to answer your questions. We can help walk you through the process of healthcare and give you our professional advice.
Don’t wait to get comprehensive coverage; be proactive about your health insurance, and call us today!
We will find the best quote rates near you, and our services are cost-free. Call us today at the number above; otherwise, use our online rate form to get the process started.