Recently, I began the rite of passage for another milestone in my life: turning 65. (And thank you to all those muttering under your breath, “I didn’t think she was THAT old!”) Armed with advice from my high school classmates via our reunion Facebook page and our Association’s website, I sat down at my computer to enroll in Medicare.
I was surprised by how easy it was to enroll online. My application was approved by the end of the week (which I could check online by using my confirmation number) and my Medicare card arrived in the mail a week later. Along the way, I learned a thing or two:
- Somehow the whole world has received notice that you are soon turning 65. Every insurance company you’ve heard of and those you haven’t will start sending you information and calling you about Medicare supplemental insurance plans. Military retirees, their spouses, and survivors shouldn’t need those policies because they qualify for Tricare for Life, which picks up the cost shares not paid by Medicare. But, remember—to be eligible for TRICARE for Life, you MUST sign up for Medicare Part B!
- You want to sign up for Medicare before you turn 65. If you wait until afterwards, not only will you turn 65 anyway (it’s inevitable), but you may also need to pay a penalty. I signed up in May before my August birthday.
- You will start using Medicare at the beginning of your birth month. So even though you are not yet technically 65, Medicare thinks you are for part of the month.
- You will need to get a new military ID card. My ID card was expiring in June so I thought I could kill two birds with one stone. I took my new red, white, and blue Medicare card with me in June to renew my military ID card. But all they did at the ID card facility was laminate my Medicare card and renew my “old” military ID card. I have to go back in August when I’m officially on Medicare. Then I’ll get a military ID card that doesn’t expire (and hopefully has a better picture).
- You will need to update DEERS too.
- It took me a while to discover how I was supposed to pay for my new Medicare Part B. (You don’t pay a premium for Part A.) If you’re already receiving Social Security, they deduct it from your paycheck. Otherwise, they send you a bill.
So now I’m waiting for August. 65!!! Yikes!
What milestone have you recently experienced in your journey as a military spouse? What advice do you have to share?