Turning 65 and not on Social Security? Think about Medicare

Even if you decide to wait until after you are age 65 to apply for retirement benefits, most people should apply for Medicare coverage at age 65. If you’d like to begin your Medicare coverage, you should apply within four months of reaching age 65.

There’s a fast, convenient, and simple way to apply online for Medicare in as little as 10 minutes — even if you’re not ready to receive retirement benefits. Just visit www.socialsecurity.gov/medicareonly.

At the website, you’ll find more than just the online Medicare application. You’ll also find information about Medicare, and have the opportunity to watch a short, fun video reuniting the cast of The Patty Duke Show to tell you about the ease and convenience of filing for Medicare online.

NOTE: people who already receive Social Security retirement or disability benefits do not need to apply for Medicare; they will be automatically enrolled in the month they reach age 65.

There is no charge for Medicare hospital insurance (Part A) since you already paid for it by working and paying Medicare tax. But there is a monthly premium for medical insurance (Part B).

If you are have group health insurance coverage from active employment (yours or your spouse’s) when you become eligible for Medicare, you should consider when you want to apply for Part B and pay the premium. You may wish to consult with your employer or insurance company regarding your options. To learn more about Medicare enrollment, visit our Medicare tab at www.socialsecurity.gov or www.medicare.gov.

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Important Reminder for People with Medicare: The New Annual Election Period is Oct. 15 - Dec. 7

Medicare offers one time a year when you can change prescription drug plans or enroll in a plan if you missed earlier deadlines. Starting in 2011, the annual election period runs from Oct. 15 through Dec. 7 each year. If you are already enrolled in a prescription drug plan (Medicare Part D), it’s a good idea to examine your coverage to determine if it will continue to meet your needs next year. Plans can change each year. The premium will likely change, the drugs your plan covers may change, the pharmacies your plan works with may change and the plan may put certain limitations on the drugs it covers. For free assistance in the Miami Valley area, contact:

• OSHIIP — the Ohio Senior Health Insurance Information Program at1-800-686-1578

• The Area Agency on Aging at 1-800-258-7277 or www.info4seniors.org.

• Greene County Council on Aging at 937-376-5486 or www.gccoa.org

• Medicare at 1-800-MEDICARE or www.medicare.gov.