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BenefitsLink > Q&A Columns >

Stop, Look & Listen: Railroad Retirement Benefits Q&A

Answers are provided by Robert S. Kaufman

Changes In Health Insurance At 65 When Medicare Begins

(Posted march 9, 2011)

Question 804: My husband is 63 and retired. I'll be 65 next February. Does my insurance change? Do I apply for Medicare?

Answer: When you become 65 and are eligible for Medicare, your private health insurance usually will change. Many people convert their private insurance to supplemental coverage to cover the deductibles and the co-insurance payments that Medicare doesn't provide. You need to discuss this with the insurance company that provides your health insurance.

If you already are receiving Railroad Retirement, you will be automatically enrolled in both Part A (hospital) and Part B (medical). You then can cancel Part B if you'd like.

If you are not receiving Railroad Retirement, you should apply for Medicare 3 months before you turn 65.

Important notice:

Answers are provided as general guidance on the subjects covered in the question and are not provided as legal advice to the questioner or to readers. Any legal issues should be reviewed by your legal counsel to apply the law to the particular facts of this and similar situations.

The law in this area changes frequently. Answers are believed to be correct as of the posting dates shown. The completeness or accuracy of a particular answer may be affected by changes in the law (statutes, regulations, rulings, court decisions, etc.) that occur after the date on which a particular Q&A is posted.

Copyright 1997-2017 Robert S. Kaufman
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