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Ok so now we're going to talk about how to enroll in Medicare what are the critical deadlines that you need to know in what happens if you miss a deadline how do you actually enroll in Medicare the easy way is if you're currently drawing Social Security then Medicare will actually enroll you automatically enrollment in Medicare is done through the Social Security Administration about three months before your 65th birthday you'll get a red white and blue Medicare card in the mail, and it'll have Medicare Part A and B listed on it with an effective date of the first of the month in which you actually turn 65 unless your birthdays actually on the 1st of the month, and then it'll be exactly one month earlier Medicare effective dates are always the first day of a month if you're going to continue working, and you have group benefits then generally you're not going to need to enroll the Part B right away it depends on whether you want to go to Medicare or not which is your choice you should always check with your group benefits administrator to find out a how your plan is going to work with Medicare and B if they're going to make you go to Medicare and make your plan B secondary to Medicare if not then you don't really need to enroll in Part B right away there is a cost associated with it there's really no point in paying that if you're going to have group benefits, so that's really the main question some of my clients are drawing Social Security and still working and have group benefits they're going to send you a card that has a and B on it if you don't need Part B yet, and you've been able to confirm that if not give us a call, and we'll help you walk through that if so go ahead and send the card back to them and indicate that you no longer, or you don't want to be at this time they'll send you a new card with Part A on it, and then you can enroll down the road in Part B if and when you lose either voluntarily or involuntarily your group benefits there's no penalty for not enrolling in Part B if you have credible coverage so let's talk about and all these for a second if you do not have group coverage you're either on an individual plan or no plan at all then when you turn 65 you need to enroll to Medicare if you're not drawing Social Security this is not an automatic process you can roll into Medicare up to three months before the month in which you turn 65 that month and three full months after without any kind of penalty at all so those that 7 month window is your Medicare open enrollment window to actually elect Medicare benefits if you're still working, and you don't get Part B several years ago by you could I've got clients that are in their 70s when they finally take their Part B as long as you've had criminal coverage the whole time then you can get Part B at that time without a penalty again if they don't really automatically you can go online and do it but if you're a delayed Part B enrollment to avoid the penalty you'll have to either do...
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