How to Change From HMO to Medicare

Before Turning 65

1). Apply for Medicare three months before turning 65 if you are not already receiving Social Security benefits. This three-month period is part of the Initial Enrollment Period, and you can elect to begin receiving Social Security benefits at the same time as Medicare benefits, but it isn't mandatory. To apply, visit your local Social Security Office or call toll-free (800) 772-1213.
2). Decide whether you want Medicare Part B. Medicare is compose of two parts, Part A and Part B. Everyone who qualifies for Medicare qualifies for Part A at no cost. Part A is insurance that covers hospitalizations of various types, but not doctors or outpatient care. Part B covers routine medical expenses and is not free.
3). Verify that your Medicare is in place the month you turn 65. You should receive a Medicare card in the mail before your 65th birthday. If you have not received your card, call the toll free number or visit your local Social Security office.

1). Verify the cancellation of your existing HMO or other medical coverage upon turning 65. Private health insurance automatically terminates on the insured's 65th birthday, but it is important to ensure that you are no longer being billed for insurance you are no longer receiving. This is especially important for those insureds who have their insurance premiums automatically debited from a checking account, as these auto-debits can take up to 60 days to cancel.
2). Decide on a Medicare supplement policy. Private insurers offer different options to supplement Medicare and cover the expenses that are not covered by Medicare. These are known as Medigap policies. The policies range in cost and coverage from very simple to very comprehensive, and are identified by a letter designation from A to L (A being simplest, L being most comprehensive). The policies are the same for every insurance company, but the cost of the policies varies from company to company and not every insurance company offers every Medigap policy.
3). Inform your physician's billing office of your switch to Medicare.