You need to have Part B before applying any Medicare plan, MA or Medigap, Part B is paid to SSA and MA or Medigap are paid to insurance companies offered plans (the same for Part D drug plan as well).
If you still working with job medical, no auto enroll
as normally you don't want start SSB, so no auto enroll. But you want to apply Medicare Part A at 65 (free) to preserve your Part B and D not to be charged penalty with later enrollment after 65.
什么影响？是简单的不用管还是需要做什么吗？
这几天看到大家讨论Medicare,收益匪浅，非常感谢大家提供的信息。有个问题我想请教一下，如果先生满65岁了，是应该继续用单位保险还是Medicare?还是说根据具体情况选择？各有什么利弊吗？另外我一直用的是先生单位的家庭保险，如果他用Medicare了，我是不是还得去单独买其它保险？
谢谢各位！
比如，我们现在的医保每月总费用约六百刀，学校出80%，个人交20%（$120）。
退休时可申请自费延期，每月付六百。
各种名目繁多Medicare附加费用，每月也要成百上千。
也就是说需要准时申请Medicare Part B，否则有life long penalty，是不是？
大家要小心，Medicare很tricky，坑很多。
Apply Medicare through SSA 3 months before your 65th birth month.
qualifies for IRS tax credit.
在适当的时间内申请，是吧？
省不了钱，不过可能保险比较好。
如果你65岁以后继续用公司的医保，确实只要在65岁前后3个月申请免费的Plan A,其它的在完全退休时申请不需要交罚款。但是如果你需要加买MediGap之类的，就需要一份严格的体检报告，即便你身体只有一些小毛病，也要付很高的保险费；而在65岁时买则不要求体检报告！最好咨询专家再决定
不是和65岁申请的条件一样吗？
Medicare的坑太多了，编这些制度的人都不是好人。
If you apply SSB before 65, you will be auto enroll for both Part A and B, deducted through SSB;
If you apply Medicare without applying SSB, you get both Part A and B, but you have to pay Part B on your own;
If you continue work after 65, you have to apply Medicare at 65(Part A only), to preserve your no penalty status on Part B in the future.
You need to have Part B before applying any Medicare plan, MA or Medigap, Part B is paid to SSA and MA or Medigap are paid to insurance companies offered plans (the same for Part D drug plan as well).
没退休时用公司保险，不需要申请Part Ａ和B，不会罚款。工作时如果家庭收入超过18万，要多交Part B月费，所以工作时拿Part B不划算。
“If you apply SSB before 65, you will be auto enroll for both Part A and B, deducted through SSB;”
如果有job related medical，Part B还会auto enroll吗？
Medicare Part A在65岁一定要申请？反正倒是没有月费。
as normally you don't want start SSB, so no auto enroll. But you want to apply Medicare Part A at 65 (free) to preserve your Part B and D not to be charged penalty with later enrollment after 65.
https://www.medicare.gov/Pubs/pdf/11036-Enrolling-Medicare-Part-A-Part-B.pdf
"What's a Part A late enrollment penalty?
If you get Part A for free, you won't have to pay a Part A late enrollment penalty if you decide to enroll after you first become eligible. "
除非没有资格享受免费Part A，也就是SS没交够年份的人。