I'm on SSI & Medicaid. I'll be turning 65 this year. Do I need to change anything? Why am I bombarded with Medicare info?
LIKE OR DISLIKE:
At 65 you must file for Medicare and your SSI changes to normal SS
SSI changes to regular Social Security on your 65th birthday. You will no longer be on SSI. You will also be on Medicare.
Because when you turn 65, you are eligible for Medicare, and you must enroll or decline to enroll. You can enroll and have 'dual coverage'. Medicare becomes your primary insurance and Medicaid becomes secondary. You should check with your state Medicaid office to see if you are required to sign up for Medicare. You may be required to, because once Medicare is your primary, the state will probably be spending less on you.The reason you are being 'bombarded' is because these private companies do not know that you are on SSI and Medicaid. All they know is that you are about to be Medicare eligible, and they want to sell you a Medicare supplement plan to cover what Medicare doesn't cover. If you will be keeping Medicaid, you probably do not need one of those plans.
Because you are turning 65
When you turn 65, you cannot stay on Medicaid alone. You have to enroll in Medicare, then if you qualify, your state may pay the Medicare Part B monthly premiums. But you must apply in your county for that to happen. It does not matter about the SSI. When you are 65 Medicaid rules change.
You need to sign up for medicare 3 months before you turn 65. After age 65, you no longer have the option of having only medicaid without medicare, unless you do not qualify for medicare.
Medicare comes in four parts. Part A is what you get for free for turning 65. Part B is supplemental, you pay by the month to the Fed. Govt. (or it comes out of your SS or SSI, I'm not sure). Part D is for prescription drugs.Notice I left out Part C? I did! Part C is another (optional) supplement, insurance you can buy from insurance companies. It's known as 'Medicare Advantage', but I strongly suspect the advantage is for the insurance company. I'm not sure what's in it, but insurance companies really seem to LOVE that the Fed. Govt. sells insurance for them.Since I turned 65, not a week has gone by that I haven't gotten two or three ads for Medicare Part C. The ads make it sound like Part C comes from the govt. (it doesn't!) or even that you NEED it (you don't!). Often the come-ons come dressed up like official govt. mail and it isn't until you open them and read half the first page that you realize this is only a sleazy ad for some commercial insurance.If you're on Medicaid, I don't know how Medicare works, whether you switch to Medicare or stick with Medicaid. Just as I don't know if you're on SSI if you move to SS when you reach retirement aid or just stick with SSI (the money is the same amount and comes from the same place!)But there ought to be a box to check on the Medicare application to say 'I don't want to be totally bombarded with ads for Medicare Advantage plans.'
You are being "bombarded" with Medicare info because you MUST file for Medicare. Your Medicare premiums will be paid for by the state along with your copays and deductibles. Medicare will be your primary insurer. Medicaid will be secondary. That means that Medicaid will pay what Medicare doesn't. Medicaid is a welfare benefit which means that you MUST file for anything else you can get to cut down on the cost of the welfare program.You don't have a choice. If you fail to file for Medicare your Medicaid will be terminated. So contact your social security office and file a claim for Medicare.
In addition to what Judith said, there are special Medicare plans available for those on both Medicare and Medicaid. These plans have a $0 premium to you as long as you have Medicaid.Depending on your area the plans will have extra benefits. For example, one plan in my area gives you $3250 worth of dental coverage annually free of charge and $200 worth of over the counter goods (such as bandages and aspirin) per quarter. They'll have vision and hearing coverage (which neither Medicare nor Medicaid covers) and many will give you hearing aids and free transportation to doctors and pharmacies.
Once you turn 65 you must be enrolled in medicare. You have to apply at least 2 months before you turn 65. Medicaid will become your secondary insurance.
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