Medicare Questions

Here are some of the most frequently asked questions about Medicare, the federal government's health insurance plan for individuals 65+. Learn about the latest information by visiting the official Medicare website.

How can I get a replacement Medicare card?
If you lose your card, you can obtain a replacement card by phone at 1-800-772-1213 or online at the Social Security Administration Web site. Make sure you have your Medicare number ready when you call. You should receive your new card in about four weeks.

How can I find out if I have Medicare coverage?
You must call the Social Security Administration at 1-800-772-1213 or contact your local Social Security Office to verify your Medicare Part A and Part B coverage. This information can also be found on your red, white, and blue Medicare card.

I can't afford my Medicare premiums. What can I do?
If your income is limited, your State may help pay your Medicare costs such as your premiums and deductibles. Check the Important Phone Numbers section of this Web site for the phone number of your State Medical Assistance Program. They can help you determine if you are qualified. If you have Medicare Part A, your income is limited, and your financial resources such as bank accounts, stocks, and bonds are not more than $4,000 for an individual, or $6,000 for a couple, you may qualify for assistance as a Qualified Medicare Beneficiary or Specified Low Income Medicare Beneficiary. The Qualified Medicare Beneficiary Program (also known as QMB) pays the Medicare monthly Part B premium, deductibles and coinsurance. The Specified Low Income Medicare Beneficiary Program (also known as SLMB) helps pay the Medicare monthly Part B premium for qualified Medicare beneficiaries.

Will I automatically be enrolled in Medicare when I turn 65?
If you are receiving Social Security or Railroad Retirement or disability benefits, you will be automatically enrolled in Medicare Part A and Part B. About three months prior to your 65th birthday or 24th month of disability, you will be sent an Initial Enrollment Package that will contain information about Medicare, a questionnaire and your red, white and blue Medicare card. If you want both Medicare Part A (hospital insurance) and Part B (medical insurance), you should sign your Medicare card and keep it in your wallet. If you don't want Part B coverage, you must put an X in the refusal box on the back of the Medicare card form; sign the form and return it with the card to Social Security at the address shown. You will then be sent a new Medicare card showing that you only have Part A.