Our video was released 2yrs ago and it's about creating your account from scratch (via Login.gov). SSA just last week announced they are transitioning away from the old SSA username login, so everyone will need to login through Login.gov or ID.me. If you don't have a Login.gov or ID.me account already, create one right there on SSA.gov and then the system will ask you to give permission to connect that account to SSA.gov. Once the whole process is done, you will no longer need the old username route to login. Also, SSA mentioned in their recent email about this change that the next time you login with your old username, the system should prompt you to now set it up through one of the two other routes.

From what we've heard, setting up the account via ID.me works better for folks living abroad.

From what we understand, you have to create the account using the ID.me route when you live overseas. Give that a shot. And if you remember, please reply back here or send us an email at [email protected] on whether ID.me works for you.

You moved to Europe?

Great to hear!

If you're referring to Social Security Disability benefits, then after 24 months you'll be eligible for Medicare A&B. You'll get your Medicare card automatically about 3-4 months prior to the 25th month of disability benefits. And yes, you will pay for the Part B premium out of your SS disability benefits. The only folks who don't pay for Part B are those on state Medicaid health benefits as well.

@@MedicareMindset I’m at 24 months and I haven’t gotten anything 🤷‍♀️

@@SherryWineAndCats If you indeed have been receiving Social Security disability benefits for 24 months, then you would've received your Medicare card in the mail a few months ago. Login to your SSA.gov account and open up your Benefit Verification Letter. If you have Medicare, that letter will show the details in the Medicare Information section. And then you can go back to the account dashboard and click to request a replacement Medicare card by mail.

@@MedicareMindset I will do that because I haven’t gotten anything in the mail.. thank you

Sorry for the delay. When you have LIS, it's more of "generic vs brand name" pricing. Depending on your level of LIS, the generics are usually only a few dollars up to $4-5 and then brand names are closer to $11.

Definitely contact SSA to get help on resetting your account with a different email address.

@@andystamas Thank you 🙏

You're welcome! Glad this was helpful.

We're glad to hear you find our video content helpful. We try to be as accurate as possible. Sometimes Social Security changes the application questions or the look of the SSA website...but you're right, this video is still accurate. 😀

Great!

Glad to hear this was helpful. 😀

Awesome!

If you're helping a friend or family member enroll in Medicare online, then you clearly need their permission and will want to have that person there with you. This is because they will receive a text or email from SSA when logging into their SSA account.

The max out-of-pocket (MOOP) limit mentioned is referring to what you the Medicare beneficiary could pay in medical expenses in a calendar year.

No doubt, the government has made this confusing. Medicare isn't required at 65 for all people (i.e. you're covered on a group health plan based on active employment), so that's why it's not automatic for everyone. Thanks for checking out our video. Hopefully it was helpful.

Glad to hear it's been helpful for you and your clients!

Glad you found the video helpful. NOTE: You won't be able to create a Medicare.gov account until you get your Medicare #.

It's definitely frustrating when the SSA website is down or having issues. We certainly have no control over that. But the application part is quite simple.

@@andystamas we found out that you can only have one online application at a time and if you have a pending application for disability benefits you need a separate phone appointment for Medicare. Don't know if you knew that .

@@PaulVanDyke-zn1fh Gotcha. Yeah, that makes sense. An additional application would certainly confuse them and their systems, so I can understand that. Glad you got it figured out. 😄

Great to hear!

I figured it out. Since she didn’t sign up during her initial enrollment period when she turned 65, and open enrollment is closed, the system will not let her sign up for Medicare. But she qualifies under an SEP (due to her employment ending) so we need to manually fill out the forms and drop them at our local SSA office.

Unfortunately, we don't. However, you could take screenshots or use your computer's snipping tool to essentially take pictures of the screen at the important parts and save them to your computer. Thankfully, creating a Medicare.gov account is pretty straightforward. :)

The additional activation code that comes via US Mail does not happen every time. At around 01:25, I mentioned this possibility of needing an activation code to finish up the account creation.

When you click to access your Benefit Verification Letter, you will get the opportunity to download it right there. The "My Profile" tab at the top of the page is where you can confirm or update your communication preferences.

Form L564 is what they are referring to, but the upload spot is being generic when it says "Click to Attach Employment Verification". Technically, in the absence of Form L564, you could provide proof in other ways, but only if your employer won't fill out the form for you. The truly want Form L564.

That's great news! I'm glad it went smoothly for you. Kudos to your SSA office for doing that in only 2 weeks.

In your case, the only way to get a 7/1/24 Part B start date, you would have to wait to submit the application until June. June is month 7 of your IEP, so enrolling that month will yield a 7/1/24 Part B start date. Do you have Part A already? If so, just turn in Form 40B in early June at your local SSA office. Note: They often try to tell people they need form L564 also, but kindly remind them that you are still in your IEP, so Form L564 is not required. If you don't have Part A yet, since it's already May right now...I would just wait until very early June to start and submit the application for A&B. Part A will backdate to 3/1/24 and Part B will automatically start 7/1/24. They will turn it around in time. But you'll likely need to get your Medicare # from your Benefit Verification Letter in your SSA account. You will see that much faster than the card will arrive by mail. I explain how to do that here: www.medicaremindset.com/proof Let me know if you have any other questions. If you prefer, you can just email me at [email protected]

First, they need to complete an online application for A&B online at ssa.gov. Second, they need to submit the two forms right after that. As stated in the video, use SSN if don't have the Medicare number yet. Details are at www.medicaremindset.com/sep | Scenario #2 (You need both Part A & B)

If he's currently covered on a group health plan through active employment, then he should follow the instructions on our special webpage (www.medicaremindset.com/sep) to enroll in Parts A & B. He would be Scenario #2 (You need both Part A & Part B). But if he doesn't have group health insurance currently, he can enroll in Part A only right now...but he'll have to wait until the General Enrollment Period to add Part B (January 1st through March 31st, 2025).

@@MedicareMindset he has marketplace health insurance. He still need to apply for part A? And he don't have 40 quarters

@@just4you3003 That's a tough one. If he applies for Part A, since he doesn't have the quarters, he will need to pay a premium for Part A (up to about $500/mo in 2024). Also, once he has Part A he can no longer get a premium subsidy (Advance Premium Tax Credits) when on a Marketplace plan. If there is any chance he can get to the 40 quarters in the next several years, he will probably need to just stay on the Marketplace plan until then. Once he has the quarters, then he can enroll in Part A without a premium and then also Part B (this will have a premium). If his income is really low, he may even qualify for Medicaid through his state department of Medicaid.

@@MedicareMindset Thank you so much😊😊

@@MedicareMindset and there is penalties for late enrollment plan A/B ?

FEHB coverage has been considered CREDITABLE drug coverage for a long time, so these folks don't have to get Part D coverage.

@@MedicareMindset thanks for your response.

If you're living in another country, then you can't be enrolled in a Part D drug plan...nor would you need one.

Great!

Super happy to hear this!

In general, that makes sense...but maybe SSA would at least accept the paperwork a little early and process it in June. Every SSA office does things their own way, so if they are adamant about you waiting until June to submit the paperwork, then go that route.

Just answer NO to that question and proceed. That would be for someone who was mailed an activation code by SSA when they weren't able to create the account on their first attempt.

We agree that Part D plan premiums will have to go up in 2025, as the insurance carrier will be on the hook for a larger share of the cost after the Medicare beneficiary pays their $2,000 max in copays.

GREAT!

Great! I'm happy to hear this!

SSA office locator: secure.ssa.gov/ICON/main.jsp

I'm really sorry to hear what you and your family are going through. This is a challenging situation. If I understand correctly, this person is now deceased, so I feel like Medicare should be able to offer guidance on how to address this. I would either call the main Medicare line or the COB line and ask them to offer a suggested way to resolve this. They must have a way to remedy this.

@@MedicareMindset They stated only an executor appointed by the court can update cob information, but no will exists, and she still has a living spouse, so there really was not a need to declare an executor. For some reason they told me to call SSA to see if they can update that and relay the notice of termination letter from the insurance company, but that does not make sense. I suppose it is because SSA technically runs medicare, so that is what I am getting ready to try.

@@user-nu8in3ey8c SSA handles Medicare enrollment, not coordination of benefits. However, possibly because of the Medicare beneficiary's death, that's why they suggested you speak to SSA (who handles death claims of course). It might take a few calls to SSA and Medicare, but again, have them offer a suggestion to get this resolved, as this is not a typical scenario of coming off a group health plan and updating coordination.

@@MedicareMindset Their call center person, and their supervisor both pretty much told me that there was nothing that could be done, and that I should call SSA. They provided no real suggestions.

@@user-nu8in3ey8c I'm sorry to hear you're getting the runaround with Medicare. Looks like you'll need to contact SSA.

Yeah, that is really frustrating. The best thing you can do are to not answer if it's a number you don't recognize. If you answer, you will be marked as a person to keep calling. Also, install a spam blocker app on your phone.

I made the mistake of answering and trying to troll them .... boy did that backfire .. take his advice, just don't answer it

​@@Mr.Helper.​ what seems to be working is: *STEP 1* writing down number *STEP 2* redial the number *FIRST USING: STAR 67 then add phone number* - if it's scam it will disconnect after few seconds or if sounds like scam hang up ! *STEP 3* : go back to "original call" number on your *CALL LOG AND BLOCK THAT number* THEN DELETE IT *along with* the *67 dialed number. I noticed significant reduction I rarely get a call. I needed my life back of missing important timely calls. Nobody plays me for stupid. I've even OWNED cops bcuz I KNOW my rights - Yes indeed

​ what seems to be working is: *STEP 1* writing down number *STEP 2* redial the number *FIRST USING: STAR 67 then add phone number* - if it's scam it will disconnect after few seconds or if sounds like scam hang up ! *STEP 3* : go back to "original call" number on your *CALL LOG AND BLOCK THAT number* THEN DELETE IT *along with* the *67 dialed number. I noticed significant reduction I rarely get a call. I needed my life back of missing important timely calls. Nobody plays me for stupid. I've even OWNED cops bcuz I KNOW my rights - Yes indeed

I'm glad you found this content valuable. And yes, the Part A backdating enables you to have hospital claims re-filed with the medical provider. Contact their billing department to inform them that you technically had Part A at that time, and they will re-process it. There's no guarantee that it will save you money, but it's possible.

Right, you need to have an allowed Life Changing Event AND a reduction of income to a lower income range because of that event. The most common examples are a Work Stoppage, a Work Reduction, or a Death of Spouse. Outside of those, it's typically not going to work. RMDs definitely impact overall AGI, but that won't always mean you'll be in a higher AGI bracket for Medicare purposes. It certainly could, so you'll want to work with a financial advisor or CPA to help minimize the impact to Medicare premiums.

Great! Yeah, other than the website's main page looking a little different now, the application itself is basically the same now as it was when we shot this video. Glad you found it helpful. 😀

Hi Jennifer. Thanks for your question. Yes, indeed...they could also enroll in Part B, if needed.

Yep, they changed the layout of their website. The application is essentially the same, though.

Yes