Every year, new people have the opportunity to enroll in Medicare. So, if that’s you, here’s a great place to start and get the basics on how to apply in 2022.
Qualifying for Medicare in Missouri
Missouri residents become eligible for Medicare the same way as everyone else in America — you must be a U.S. citizen or permanent legal resident, and meet at least one of these qualifications:
- You are 65 or older.
- You have been on Social Security Disability Insurance (SSDI) for two years.
- You have end-stage renal disease (ESRD) or Lou Gehrig’s disease (ALS).
The average person, then, becomes eligible for Medicare at age 65. But, people can qualify under age 65 with a disability, ESRD, or ALS.
By meeting these standards, you qualify for Original Medicare (Part A and Part B). You are eligible for additional Medicare coverage, like Medicare Advantage, Part D, and supplements, once you’re enrolled in Original Medicare. But, as long as you’re eligible, you can enroll in Original Medicare and your choice of additional coverage at the same time if you choose.
65th Birthday in 2022? Here’s What To Do
Since most people become eligible by age 65, it’s important to call out those who are new to Medicare and have their 65th birthday in 2022.
3 months before this birthday, you will enter your Initial Enrollment Period (IEP). It continues through your birthday month, and ends 3 months after, for a total 7-month period. During this time, you are eligible for and can enroll in Original Medicare, Medicare Advantage, and Part D. If you would like to enroll in a supplement plan, you can use your Medigap Open Enrollment Period, which occurs after your Part B coverage becomes effective.
Your IEP is the absolute best time to enroll in Medicare. If you’re retired when your IEP starts, you will even be automatically enrolled in Original Medicare.
If you’re not yet retired during your IEP, you may choose to delay your Medicare enrollment until you retire without penalties.
Other Medicare Enrollment Opportunities in 2022
But, if you’re new to Medicare in 2022 but are past your IEP, you’ll have to wait until the next enrollment period. The General Enrollment Period (GEP) takes place annually from January 1st through March 31st, so it’s already passed this year. But, 2022 is the perfect time to start planning for enrollment next year.
You may not have to wait for the GEP either. If you chose to delay Medicare enrollment while you were still covered by your employer’s health insurance, and you decide to enroll in 2022, you can do so by qualifying for a Special Enrollment Period (SEP).
Secure Insurance Group Will Help You Through Enrollment
Through every step of your Medicare journey, from getting started through enrollment and beyond, we’re here for you. To get started, call Secure Insurance Group at 1-877-871-7328.
