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Must I Sign Up for Medicare? (Vanity)

Posted on 08/14/2010 6:45:42 PM PDT by Thom Pain

Need help/advice. I'm about to turn 65 and am still employed in private sector full time (and hope to be for many years to come). Need to know if I have to enroll in Medicare now, or wait until I retire (someday). Can anyone steer me to good info?


TOPICS: Health/Medicine
KEYWORDS: medicare; vanity
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I'm currently stumbling thru Medicare.gov site and getting more confused by the minute. Recently spent 2 years wrestling with Gov't coordinating Medicare/Medicaid coverage for my parents. It was a TOTAL nightmare!
1 posted on 08/14/2010 6:45:44 PM PDT by Thom Pain
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To: Thom Pain

Per my husband, who is REALLY old....I have no clue.

BUT! :)

IF you’re going to, per said husband, do it prior to turning 65 if you’re going to use it. About 6 months prior to.

Free advice, worth....probably nothing. Ha!


2 posted on 08/14/2010 6:47:16 PM PDT by Bradís Gramma (Here's a thought!! Donate to the website you are on RIGHT NOW!!)
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To: Thom Pain

I’m sorry not to be able to be helpful but I doubt your Senators or your congressman have a clue either. I doubt that it’s spelled out clearly in any of those 2,000+ pages of legislation.


3 posted on 08/14/2010 6:53:21 PM PDT by Mobties (I yield back the balance of my time)
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To: Thom Pain

Is your retirement age 66? if so, wait until them to collect the full amount.


4 posted on 08/14/2010 6:53:38 PM PDT by presently no screen name
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To: Thom Pain

I’ll be following this thread. I have a couple of years to go, and I don’t know what I’m supposed to do. I have private insurance now, but I don’t know if I’ll even have that as a choice when the magic 65 comes.


5 posted on 08/14/2010 6:54:38 PM PDT by Pearls Before Swine
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To: Thom Pain
In the new world order of government medicine, the government will tell you, what, when ,and where you will need to know it, so take a number and wait for the over paid fat lady to call you.
6 posted on 08/14/2010 6:54:57 PM PDT by org.whodat
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To: Thom Pain

good questions. I have no idea..I thought SS automaticly signed you up????


7 posted on 08/14/2010 6:54:57 PM PDT by dalebert
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To: Thom Pain

The answer to your question is usually “yes”.

If you don’t sign up for medicare, the premiums will rise higher the longer you wait if you sign up later.

You’re not “required” to sign up, but its usually the wisest course of action.


8 posted on 08/14/2010 6:55:13 PM PDT by I_Like_Spam
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To: Thom Pain
That all depends on the individual, state of health and minimum age to get full benefits. When I retired, for example I had to wait 2 years past my minimum full-benefits age and it made a substantial difference in the starting amount, which at the time was supposed to increase as the cost of living increased (that has since been eliminated for 2009 and 2010)

As a general rule, barring health issues, it is best to begin as late as possible.

But under certain circumstances, it makes sense to start as soon as you're eligible for full benefits.

For me that was 65y2m, but I had to wait for 67y2m and got about 10% more starting benefits.

9 posted on 08/14/2010 6:55:26 PM PDT by Publius6961 ("In 1964 the War on Poverty Began --- Poverty won.")
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To: Thom Pain

Call Medicare and ask. However, I will not go on Medicare until I have no choice.


10 posted on 08/14/2010 6:56:13 PM PDT by Blood of Tyrants (Islam is the religion of Satan and Mohammed was his minion.)
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To: org.whodat
Forgot to add make sure you get the correct number for the language you may are may not speak, in which case a signer will be available next week.
11 posted on 08/14/2010 6:56:13 PM PDT by org.whodat
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To: Thom Pain

By the tenor of your post, you act as if you DIDN’T want to be a part of the great socialist exchange that is there to BENEFIT you.


12 posted on 08/14/2010 6:56:21 PM PDT by irishtenor (Tag lines, they are not what they used to be...)
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To: Thom Pain

If you don’t do it when first offered you get penalized. You will pay more for it.


13 posted on 08/14/2010 6:58:04 PM PDT by dforest
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To: Pearls Before Swine
I’ll be following this thread. I have a couple of years to go, and I don’t know what I’m supposed to do.

If you aren't yet 65, your "magic age" will never be 65.

Looks like the first thing you need to do, from the SS site, is to determine what is your earliest retirement age for full benefits. I suspect it will be 66+, depending on your date of birth.

14 posted on 08/14/2010 6:59:48 PM PDT by Publius6961 ("In 1964 the War on Poverty Began --- Poverty won.")
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To: Thom Pain

There’s been a subtle change recently. In order to provide better benefits for government union members, retirees must sign-up immediately upon retiring and sign over all their possessions to the state, at which time the state will agree to allow them to live until such time as they need medical care.


15 posted on 08/14/2010 7:00:46 PM PDT by FourPeas (God Save America)
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To: Thom Pain
Well i was laid off for a while and signed up for Medicaid.
I paid for it my whole life so i figured i deserved it.

Anyways a year ago i got into a severe dirt bike accident and had to be airlifted in a chopper to Beth Israel Hospital in Boston. The chopper ride alone cost 6 grand.
3 days in a coma, skull fractures, broken ribs, collarbone, reconstructive surgery on my wrist, internal bleeding etc.
When all said and done 3 MRI’s and 7 days later at one our most expensive hospitals and much physical therapy later i received ZERO bills, nothing at all about it in the mail, it's like it never happened.

I guess sometimes it pays to be poor.

16 posted on 08/14/2010 7:01:01 PM PDT by mowowie
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To: Thom Pain

I’m no expert but this is what I’ve been told by family members who signed up. It can benefit to sign up in case you lose your current insurance for any reason. It becomes secondary coverage even if you think you don’t need it. Also, premiums will go up if you wait, so it may be best if you sign up early and lock in lower rates. As far as I know, there is no law (now) that requires you to sign up at a specific age.


17 posted on 08/14/2010 7:01:04 PM PDT by Kirkwood (You can lead a horse to water, but you can't make him drunk.)
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To: Publius6961

I know SS full retirement for my age group is 66; but I thought the Medicare age was 65 regardless of which year you were born.


18 posted on 08/14/2010 7:01:31 PM PDT by Pearls Before Swine
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To: mowowie

Medicare and Medicaid are totally different. Medicaid is for the indigent. Medicare is for the elderly.


19 posted on 08/14/2010 7:05:17 PM PDT by Kirkwood (You can lead a horse to water, but you can't make him drunk.)
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To: irishtenor
To be clear I intend to work as long as I can (I really enjoy my work & the people I work with) and I am in good health. I would like to have nothing to do with Medicare if I could, but I don't want the bastards to screw me on a technicality because I did't fill out form 67-Bx*6J, subpart 6453-Gfu7^2 exactly 23 days and 41 minutes before the first full moon after the 2nd anniversary of my second to last breakfast after the midpoint between my 64th birthday and Hannukah...

I hope to keep my company health plan, but I don't want to get snookered. I plan to defer collecting SSN until age 70. My retirement $$ are probably woefully inadequate for full retirement before age 98 (and then probably only if I promise to die by age 99)

20 posted on 08/14/2010 7:05:41 PM PDT by Thom Pain (2 + 2 = 4 : Defending the Constitution is CENTRIST; not RIGHT WING! Don't be labeled!)
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