Social Security and Medicare are both federal programs. Together, these programs help those no longer working due to retirement or disability. There are similarities and differences between these two programs. In some ways they work together and yet, they are two separate programs. Just because you qualify for one doesn’t mean you’ll immediately qualify for the other.
Are Medicare and Social Security the Same Thing?
No, these two programs are different. Although, these programs do have some similarities. Both programs help those in retirement or on disability. Medicare provides health insurance, while Social Security provides a monthly income.
What are the differences between Medicare and Social Security?
When you retire or go on disability, you get a Social Security check. The Social Security Administration will determine Medicare eligibility and handle some of Medicare’s administrative work, like enrollment. While these programs serve different purposes, both programs are funded through payroll taxes, provide benefits to those eligible, and help people with certain disabilities. While they are different programs, the National Committee to Preserve Social Security and Medicare helps to keep both programs protected.
Can I File for Medicare Without Social Security
Yes, you can file for Medicare without Social Security. If you don’t collect Social Security benefits, you’ll need to pay the Part B premium directly. Then, once you begin taking benefits, you can have the premium deducted from your social security check.
Can You Get Medicare If You’ve Never Worked?
Even if you’ve never worked, you can still get Medicare. Often, Social Security and Medicare eligibility will depend on your history of employment. But, if you have a disability or permanent kidney failure, you can obtain benefits even when you don’t have enough employment history.
Can You Immediately Receive Medicare with Social Security?
For those on Social Security Disability, Medicare enrollment will begin after 24 months of collecting benefits. The exception is when you have End-Stage Renal Disease or Amyotrophic Lateral Sclerosis; those conditions allow you to qualify immediately. If you don’t collect Social Security, you’ll need to apply for Medicare yourself.
Will You Get Part A Coverage Immediately with Social Security?
Those under age 65 on disability will get benefits from Part A automatically and immediately if they have Amyotrophic Lateral Sclerosis. Otherwise, those on disability will begin Part A benefits after 24 months of collecting benefits. Those turning 65 that plan to obtain Social Security at 65 can have the effective dates for both coincide. The situation is personal to each individual. So, if you want to work after age 65, you could delay benefits depending on the size of your employer.
Will Part B Deduct from my Social Security Check?
Yes, Social Security will deduct your Part B premiums from your check. No need to worry about paying your monthly Part B premium unless you don’t collect Social Security. The Part B premium is deducted out of your Social Security check automatically. The amount that comes out will depend on your income. The standard Part B premium amount does change annually.
How Do I Pay Part B Without Social Security?
If you don’t have Social Security, then Medicare will send you a quarterly bill. You can also contact Social Security directly to enroll in automatic monthly payments.
Will Part D Deduct from my Social Security Check?
The good news is, yes. Your Social Security benefits can deduct your Part D drug plan premiums. Depending on the effective date, you may need to make premium payments directly for a couple of months before premium withholding begins.
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Did you know there is a Social Security Surplus fund that allows the government to fund the deficit while acquiring less from the public? And while Medicare isn't mandatory, you will face penalties if you don't have proper coverage.
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