New Medicare Initial Enrollment Rule for 2023
Toni,
I have a different problem than any I have read in your Medicare column. A friend told me that starting January 1, 2023, there are new enrollment rules for adults turning 65. I have rheumatoid arthritis and my prescriptions are expensive! I turn 65 on February 20 and my husband is retiring on May 1, so we’re losing company benefits. I have not worked enough quarters to receive Medicare on my own. I don’t know how to apply using my husband’s Medicare benefits. What should I do?
Mary Ann, from Oakland, CA
Mary Ann because you are short the 40 quarters of working and paying taxes to qualify
under your Social Security number for Medicare, you will have to qualify under your
husband’s. To get started, call your local Social Security office or their main 800 number (1-800-722-1213) to arrange an appointment. Ask how to apply under your husband’s work record. You’ll need an original certified marriage license to prove that you are currently married. Set up an SSA.gov account prior to talking with a representative.
What is Changing About Initial Enrollment in 2023?
Medicare’s Initial Enrollment Period (IEP) is the 7-month period that occurs 3 months before turning 65, the month you turn 65, and the 3 months after you turn 65. Below is a summary of the new start dates for Medicare Part B in 2023.
– If enrolling any time during the 3 months before turning 65, your Medicare coverage begins the first day of the month you turn 65.
– If enrolling the month you turn 65, then your coverage will begin on the 1st of the following month.
– If enrolling within the 3 months after you turn 65, your Medicare coverage will begin on the 1st of the following month.
For example, Mary Ann, if you enroll in February (your birthday month), your coverage will begin on March 1.
If you enroll in March, then your coverage would begin on April 1.
If you enroll in April, then your coverage would begin on May 1.
And, finally, if you enroll in May, then your coverage begins June 1.
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• Still Working Past 65
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What Medicare Option Is Best for You
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• Losing Retirement Benefits
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• The Donut Hole
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Originally published January 05, 2023
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