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The take away - Home and Auto carriers use an "insurance score" to determine where you fall in the rate schedules. "Fully Integrated" health plans have access to big data that can be used in the same way. This is all in the name of delivering care where and when it's needed - but it would be even easier to use your clothing size, credit score, marital status or liquor purchases to determine your health premium. https://n.pr/2JrSVmD
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Save thousands, not just hundreds on your home and auto insurance. In 42 of the 50 states your insurance score determines where you fall in the rate schedule. The number one factor in the insurance score is the credit score. So managing your credit is the best way to save big bucks on insurance. You can access your credit reports with all three reporting agencies once each year for free. https://www.annualcreditreport.com/index.action
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When Can I Add Part B to My Medicare?
Original Medicare, the government-sponsored health insurance program, includes Medicare Part A (hospital insurance) and Part B (medical insurance). Because Medicare Part B typically comes with a monthly premium, some beneficiaries delay enrollment in Part B (for example, if they have health coverage through employment), and may want to enroll in Part B later.

U.S. citizens and legal permanent residents of at least five continuous years may be eligible for Medicare coverage. You’re usually enrolled in Medicare Part A and Part B automatically when you turn 65 or qualify by disability at any age and you receive Social Security Administration (SSA) or Railroad Retirement Board (RRB) benefits. For details about how you qualify for automatic enrollment, see Medicare Enrollment.

You’re not automatically enrolled in Medicare Part B in all situations. Here are a few examples of when you may qualify for Part B, but you need to sign up manually:

If you live in Puerto Rico, you’re typically signed up for Medicare Part A automatically when you turn 65 if you’re collecting SSA or RRB benefits. However, you need to sign up for Part B manually.
If you have end-stage renal disease (ESRD, a type of kidney failure), regardless of your age, you may qualify for Medicare but you generally have to apply manually.

If you’re not receiving SSA or RRB benefits when you turn 65, if you want to enroll in Medicare Part B, you need to sign up for it.
You can sign up for Medicare Part B during the following enrollment periods:

The Initial Enrollment Period (IEP) for Part B, when you’re first eligible for Medicare. Your IEP typically starts 3 months before you turn age 65, includes your birth month, and lasts for 3 months after your birth month. That’s a total of 7 months.If you’re under 65 and disabled, you generally qualify for Medicare after receiving Social Security (or certain disability benefits from the Railroad Retirement Board) for 24 months. In this case, your 7-month IEP goes from the start of your 22nd month until the end of your 28th month of receiving disability benefits.If you sign up for Medicare Part B during your IEP, you won’t face a Part B late-enrollment penalty.

The General Enrollment Period (GEP), which runs from January 1 to March 31 of each year. You may enroll in Medicare Part B coverage if you are eligible. If you enroll in Part B during a GEP, it will be effective July 1 of the year in which you apply. You may have to pay a late-enrollment penalty. Your Part B premium may go up 10 percent for each 12-month period that you could have had Medicare Part B but did not sign up it.If you didn’t take Medicare Part B when you were first eligible because you or your spouse were working and had group health plan coverage through your employer or union, you can add Medicare Part B coverage during a Special Enrollment Period (SEP). You can sign up during the following periods under the Part B SEP:
While you’re still covered by the employer or union group health plan
During the 8 months following the month the employer or union group health plan coverage ends, or when the employment ends — whichever is first.

Medicare Special Enrollment Period
There are cases where an individual may enroll in Medicare outside of regular enrollment periods due to extenuating circumstances. This is known as the Medicare Special Enrollment Period (SEP). If you qualify for the Medicare Special Enrollment Period, you can enroll in Medicare outside of your Initial Enrollment Period (IEP) and the General Enrollment Period (GEP).

If you are 65 or older and are covered under a group health plan, either from your own or your spouse’s current employment, you have a Special Enrollment Period during which you can sign up for Medicare Part B. This means that you may delay your decision to enroll in Medicare Part B without having to wait for the General Enrollment Period and without having to pay the 10% premium penalty for late enrollment.

Most people get Medicare Part A without paying a premium if they’ve worked at least 10 years (40 quarters) and paid Medicare taxes. However, if you don’t have enough work history to get premium-free Medicare Part A and delay Medicare enrollment when you turn 65 because you have employer-sponsored coverage, you can also use your Special Enrollment Period to sign up for Part A. Otherwise, a late-enrollment penalty could apply for Medicare Part A if you don’t enroll when you’re first eligible and need to pay a premium.

Under such circumstances, you may:

Enroll in Medicare Part A and/or Part B any time while you’re covered under the group health plan based on your current employment.
Enroll in Medicare Part A and/or Part B during the eight-month period that begins with the month your group health coverage ends or the month your employment ends, whichever comes first. Medicare Special Enrollment Period rules do not apply if employment or employer-provided group health plan coverage ends during your Initial Enrollment Period.

If you do not enroll in Medicare by the end of the eight-month period, you will have to wait until the next General Enrollment Period, which begins January 1 of the next year. You also may have to pay a higher premium for Medicare Part B. If you don’t qualify for premium-free Medicare Part A, you may owe a late-enrollment penalty for Part A as well.

People who receive Social Security disability benefits and are covered under a group health plan, from either their own or a family member’s current employment, also have a Medicare Special Enrollment Period. For more information on situations that may qualify you for a Special Enrollment Period, contact Medicare at 1-800-MEDICARE (1-800-633-4227), 24 hours a day, seven days a week; TTY users can call 1-877-486-2048.

To add Medicare Part B, contact the Social Security Administration at 1-800-772-1213 (TTY users 1-800-325-0778), 7AM-7PM, Monday to Friday. For additional information, contact Medicare at 1-800-MEDICARE (TTY users 1-877-486-2048), 24 hours a day, 7 days a week.
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