Can You Get Medicare Without Social Security

Can I get Medicare if I m not getting Social Security yet

Yes. But you should be aware of the enrollment deadlines, as Social Security will not sign you up automatically at 65 for “traditional Medicare” — Part A (hospitalization) and Part B (health insurance) — as it typically does for people already collecting Social Security benefits. In this situation, you'll have to enroll yourself, either or by . Medicare and Social Security are two separate programs, but the Social Security Administration . You can enroll in Medicare parts A, B and D (prescription-drug coverage) as early as three months before the month you turn 65 or as late as three months after the birthday month. (That’s called your .) For example, if your 65th birthday is April 15, 2023, the initial enrollment window is open from Jan. 1 until July 31.
Here’s why you need to be on top of your deadline: If you don’t sign up during those seven months, you may be subject to a once you do enroll.
Part A is free if you , even if you have not claimed benefits yet, but Part B carries a premium. In 2022, the standard Part B premium is $170.10 a month; it for beneficiaries with incomes above $91,000 for someone who files an individual tax return and $182,000 for a married couple filing jointly. Medicare has announced that the standard Part B rate will while the income threshold for higher charges goes up to $97,000 for an individual and $194,000 for a couple. If you are not yet receiving Social Security benefits, you will have to for Part B coverage. Once you are collecting Social Security, the premiums will be .
If you decide to purchase a Part D prescription-drug plan, it’s best to do so during your initial enrollment period; otherwise you may pay a higher premium, permanently. Your Part D provider cannot deny coverage even if you are in poor health or have a preexisting condition. You can choose between paying Medicare directly or having Part D costs deducted from your Social Security payment.

Keep in mind br

The Medicare eligibility age of 65 no longer coincides with Social Security’s (FRA) — the age when you qualify for 100 percent of the Social Security benefit calculated from your lifetime earnings. FRA was long set at 65 but it is : It's 66 years and 4 months for people born in 1956 and will settle at 67 for those born in 1960 or later. Even if you don’t qualify for Social Security, you can sign up for Medicare at 65 as long you are a U.S. citizen or lawful permanent resident. You will have to for all coverage, including (unless you or your spouse are among the small number of state and local government employees who ; in this case, you may be able to get Part A for free). Updated September 27, 2022

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