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Medicare and Social Security work together, but they are not the same program.
It is possible to enroll in Medicare if you defer claiming your Social Security benefits until after signing up for Medicare.
If you enroll in Original Medicare (Medicare Part A and Part B) before claiming Social Security, you’ll be required to pay Medicare Part B premiums out-of-pocket.
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You may be part of a group of seniors who are of age to receive both Medicare and Social Security benefits, but prefer to defer receiving Social Security benefits until you reach the age of 66 or beyond. If you are part of this group, you may be asking yourself this question: “Can I get Medicare without Social Security?”
So, can you? The answer is yes, but there are a few caveats. Now, you’re probably wondering: “How can I get Medicare without Social Security?” We’ll be answering this question, as well as a few others you may have, in this article.
One of the most common misconceptions about Medicare and Social Security is that they are one and the same. Both programs work together closely, but they’re very different. If you’re thinking that Medicare and Social Security are the same, you’re probably thinking that you have to sign up for Medicare and Social Security at the same time. This is not the case.
A majority of seniors tend to enroll in Social Security before they enroll in Medicare, as you can sign up for your Social Security benefits at the age of 62. You can’t enroll in Medicare at 62, but if you sign up for Social Security prior to signing up for Medicare, you’ll be automatically enrolled in Original Medicare, Medicare Part A and Medicare Part B. However, you may prefer to hold off enrolling in Social Security until you’ve fully retired. This means that you may be enrolling in Medicare before you claim your Social Security benefits.
So, how do you sign up for Medicare without having Social Security? The process is relatively easy, quick, and painless. All it takes is a few minutes to fill out an online application.
If you’re within 3 months of your 65th birthday, it’s time to consider enrolling in a Medicare plan, even if you’re holding off on receiving your Social Security benefits. The Social Security Administration (SSA) suggests enrolling in Medicare:
Applying online is the easiest way to sign up for Medicare benefits, but it’s not the only way. You can also call your local SSA office, or you can pay them a visit to sign up in person.
Applying for Medicare without needing Social Security is easy enough. If you’ve gotten that far, you may be wondering how to pay for it. It’s common knowledge that premiums for Medicare Part B can be deducted from your Social Security check. However, what about other plans? How do you pay for Medicare if you don’t receive Social Security? Does it relate to Medicare taxes?
The unfortunate truth is that if you aren’t receiving Social Security benefits before you sign up for Medicare, you’re responsible for paying all premium costs out-of-pocket. Those of you who are waiting to sign up for Social Security until you reach the age of 66 or beyond will be responsible for $164.90 each month, as of this year. This means that if you signed up during the Annual Enrollment Period (AEP) for Medicare, but are waiting to sign up for Social Security, you’ll have paid over $1,978 in premiums. That’s a huge chunk of change, especially if you’re on a fixed income. Special Enrollment Periods or enrolling during the Initial Enrollment Period prior to your 65th birthday are other options.
So, while it is possible to pay for Medicare without having Social Security, it’s best to sign up for your Social Security benefits before you sign up for Medicare, or to sign up for them around the same time. By doing so, you’ll avoid out-of-pocket costs associated with premiums or a late enrollment penalty.
If you’re looking to sign up for Medicare benefits without Social Security, it’s possible to do so. However, know that you’ll likely rack up some serious out-of-pocket costs for premiums by doing so.
Are you looking for Medicare plans in your area? We can help! Give us a call today to speak with a licensed agent, or use our free plan finder to search for and compare plans near you.