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A parent of mine is turning 65 soon, is it mandatory to apply for medicare regardless of how much her income may be? I thought medicare was only for the poor? Also, would it be an insult if I told a parent that those 55+ communities are cheaper to rent into than just any apartments?
A parent of mine is turning 65 soon, is it mandatory to apply for medicare regardless of how much her income may be? I thought medicare was only for the poor? Also, would it be an insult if I told a parent that those 55+ communities are cheaper to rent into than just any apartments?
everyone reaching age 65 should apply for medicare. The only exception is if you are covered by an employer for health insurance with a caveat that many employers wish you to apply as well it helps lower costs on their insurance programs.
Medicare is not Medicaid. Medicaid is for low or no income folks. Medicare is part of the SS program and you pay for it in your working years just like FICA.
Location: East of Seattle since 1992, 615' Elevation, Zone 8b - originally from SF Bay Area
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Yes, Medicare is the same as Social Security, if you have paid into it long enough to qualify, you get the benefit regardless of your income. I just went though this, my employer plan is primary, what's left over will be sent to medicare. Typically medicare (part A only) is not going to be paying for anything other than actual hospitalization and related costs. My employer plan covers the rest. Also, if you have a HSA, you can still spend it but not add to it after starting on Medicare.
Apply for Medicare part A at 65. No exceptions, apply. The good news is no cost and no penalty for applying after 65.
Part B has a cost and if you have qualified insurance you can delay applying for it. Be sure your insurance is qualifying and I do not think COBRA qualifies.
Apply for Medicare part A at 65. No exceptions, apply. The good news is no cost and no penalty for applying after 65.
Part B has a cost and if you have qualified insurance you can delay applying for it. Be sure your insurance is qualifying and I do not think COBRA qualifies.
From what I've read on the SS site you have to apply within three months after turning 65 or your monthly premium will be much higher.
A parent of mine is turning 65 soon, is it mandatory to apply for medicare regardless of how much her income may be? I thought medicare was only for the poor? Also, would it be an insult if I told a parent that those 55+ communities are cheaper to rent into than just any apartments?
No tel her.
Other tax related benefits you may want to disclose if she is still working-
A parent of mine is turning 65 soon, is it mandatory to apply for medicare regardless of how much her income may be? I thought medicare was only for the poor? Also, would it be an insult if I told a parent that those 55+ communities are cheaper to rent into than just any apartments?
Since you are wrong about both Medicare and 55+ apartments I don't think you should be the one giving your parent advice.
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