Been rethinking all this, and I'm still confused about the timing. Since my husband is no longer with me, I could use some help from you folks.
I now plan on working past age 65, and keep my employer health coverage for another year (it's cheaper, and a fairly good PPO plan -- I work for a large company). But, because I don't have an HSA, I plan to enroll in Medicare Part A -- and only Part A -- when I turn 65.
I'll then retire at 66 (my full retirement age), apply for Social Security and enroll in Medicare Part B, a Medicare supplement plan (I'm thinking Plan N), ... and a prescription drug plan (Part D).
Does that sound okay? I'm not good at this stuff, my partner was.
I know when I want to retire, and that I want to go with Original Medicare -- not a Medicare Advantage plan. The thing that bothers me now is simply the timing.
When can I sign up for Social Security …. if I retire at 66? Three months before the date I plan to retire?
How soon can I sign up for Medicare Part B, a Supplement plan, and a Part D plan? Can I sign up beforehand (before I retire) and post date them, so that they take effect the day (or the day after) I retire? Or do I have to wait until AFTER I retire and my employer coverage has stopped?
I don't want to mess this up. Can anyone help?
I now plan on working past age 65, and keep my employer health coverage for another year (it's cheaper, and a fairly good PPO plan -- I work for a large company). But, because I don't have an HSA, I plan to enroll in Medicare Part A -- and only Part A -- when I turn 65.
I'll then retire at 66 (my full retirement age), apply for Social Security and enroll in Medicare Part B, a Medicare supplement plan (I'm thinking Plan N), ... and a prescription drug plan (Part D).
Does that sound okay? I'm not good at this stuff, my partner was.
I know when I want to retire, and that I want to go with Original Medicare -- not a Medicare Advantage plan. The thing that bothers me now is simply the timing.
When can I sign up for Social Security …. if I retire at 66? Three months before the date I plan to retire?
How soon can I sign up for Medicare Part B, a Supplement plan, and a Part D plan? Can I sign up beforehand (before I retire) and post date them, so that they take effect the day (or the day after) I retire? Or do I have to wait until AFTER I retire and my employer coverage has stopped?
I don't want to mess this up. Can anyone help?