Some people are enrolled in Medicare automatically as soon as they meet the requirements. However, others need to enroll on their own if they want to receive coverage. Depending on their situations, some Americans may choose to delay signing up for Medicare and end up missing their initial enrollment period.
However, even if you missed the initial enrollment period, you may still qualify to sign up for Medicare during a special enrollment period. A special enrollment period is when the program allows you to enroll outside of your initial period and other open periods.
There are three scenarios that may make you qualified for Medicare. The first reason is: If you already had coverage from your employer. This is a fairly straightforward scenario.
The second scenario that qualifies you for special enrollment is: If you already had group health insurance, and were working when you qualified at 65 years old.
The third scenario where you can qualify for a special enrollment period is: if your spouse meets the requirements for it.
The special enrollment period gives you an additional 8 months to enroll. This special enrollment period begins:
· The month after your or your spouse’s employment ends.
· The month after you or your spouse’s group plan coverage ends.
It’s important to note, you will not need to pay a late penalty if you qualify for a special enrollment period. Also, if you do not meet requirements for special enrollment and missed your initial period, you can still sign up for and receive Medicare coverage.
Next, learn about the two times a year that you or anyone qualify for coverage can sign up for Medicare.