7/7/2023 0 Comments Oh well that escalated quickly![]() If it persists, then you ‘might’ have a Part D Late Enrollment Penalty problem because you can only have a 63-day lapse in creditable coverage. This is creating all sorts of unintended consequences. To make it worse, while you wait, the nuance is that you can only select a Part D or MAPD plan ONCE when you are initially enrolling in Part B. Note that you can enroll in Part D, Part B/Part A alone (just one), is a valid combination. If your Part B is not “on,” you cannot enroll. The carriers will be checking to see if you are enrolled in Part A and Part B. You have no Part B (it can be retroactively set, if and only if you have proof that you have applied in time), and that will leave you exposed entirely if you need Part B services.Ĭan’t enroll in Medicare Advantage. You complete the forms correctly (you can get them here). Let’s say you retire at 67, and that your Part A coverage began when you were 65. I have spent the first three business days of the year on the phone, with people as they resolved this with the Social Security Administration. We are literally seeing >50% error or undue delays in processing Medicare applications at the SSA. YOU must make the outgoing inquiry.SSA Creating Medicare Issues Important: financial representatives cannot private approach you to suggest changes. Well, that Escalated Quickly includes Ramsey's advice on dealing with internet trolls and low-key racists, confessions about being a former online hater herself, and her personal hits and misses in activist debates with everyone from bigoted Facebook friends and misguided relatives to mainstream celebrities and YouTube influencers. Prescription coverage inside Medicare Advantage can vary widely, especially if there is a high-cost prescription. Here are a few examples.īetter benefits or extra services which are valuable to you (e.g. There can be very good reasons to do this. ![]() January 1 - March 31: Switch from your existing Medicare Advantage to another. You can change to Medigap, but be careful to first get accepted by Medigap, so that you do not lose health benefits that you receive (on top of Parts A & B). January 1 - March 31: Cancel your Medicare Advantage. We get asked “I am employed but will retire in July, I am 66.” Answer: If you are covered by health insurance, are a full-time employee, then the answer is no, you can wait, but be sure to January 1 - March 31: Enroll in Medicare if you have already passed your Initial Election Period, and did not apply for Part A or Part B, when you should have. ![]()
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