can I get a medicare card at 65 and not use it?

Question

can I get a medicare card when I am 65 and not apply for the medicare insurance coverage

Answer 1

When you are 65 you will automatically get the part A coverage, you have to pay for the Part B coverage. You don't have to use it but if you have services performed and you try to use any other coverage that insurance will deny the charges telling the provider they need to file with Medicare first.

Answer 2

Why do you not want to use it? Do you have another insurance? If you are actively employed, and have group health insurance or your spouse is actively employed, and they carry you, you can use that insurance as primary. If you are retired, and you ahve a group retiree plan, they will probably force you to use your medicare first.

I'd need more information to give you a good answer... You will automatically get a medicare A card for hospital services. You will have to choose the part B option, and pay the premium. So you could get the part A, and receive your card. But not elect the part B. Like i said, you need to check and make sure your non-medcare health insurance will still cover you if you decline part B. I've worked in health care, specifically medicare based coverage for several years now. There are all kinds of hidden risks with a group insurance plan, and how it coordinates with medicare.

Answer 3

Well... Medicare IS medical coverage. That's all it is.

So, yes, technically I suppose you could get it and not use it. But that would be kind of silly, since you DO have to pay for it.

Also, I'm not sure why you wouldn't want to use it... particularly since most individual insurance companies stop offering coverage over the age of 65 (based on the fact that you're eligible for Medicare) and even group coverage (if it's offered at all) is only offered as a supplemental coverage to Medicare.

So, you might want to do some fact-checking before you decide on a course of action.

Answer 4

if you dont use it and pay cash that is ok its your choice. but if you dont use it and have anther insurance that should be secondary to medicare pay as if they are primary that is fraud. they will find out that you have medicare and they shouldnt be paying primary. they will request the money back that they paid out...they can go back 3-7 years depending on the insurance company. if they go back far enough where it is past the filing limit for medicare you will end up paying the bill. there will be no recourse since you did not give the correct insurance info to the dr or hospital

Answer 5

You have to complete the Medicare information within 3 months of your 65th birthday or you'll pay a higher premium for Part B when you do decide.

Also, sign up for the Part D prescription coverage as soon as it is available. It's better to have it and not need it, than to need it and not have it. Accidents do happen.

Answer 6

If you have enough credits you don't pay the over $900 for Part A. Part B is up to around $93 this year and what you pay can be based on income. Blue Cross Blue Shield does offer supplemental insurance for those over 65 in Iowa and Illinois at least.

Answer 7

Yes you can get the card whether you use it or not is your buisness. Why would you not accept the coverage?

Answer 8

DO NOT EVEN THINK ABOUT MEDICARE FRAUD.
YOU CANNOT GET A CARD LET SOMEONE ELSE USE IT!