in Medicare | | 40 Quarters of Coverage
| | Fewer Than 40 Quarters | | CalSTRS
Program | | Reimbursements
Enrolling in Medicare When You Have
Fewer Than 40 Quarters of Medicare Credit
Even if you do not have 40 quarters of Medicare credit
you can sign up for Medicare benefits. However, you may be required to
pay premiums (which will be reimbursed
by the District) for Medicare Part A as well as the Medicare Part
B premium that everyone has to pay. Your Medicare A will be free, however,
if your spouse is age 62 and s/he has 40 quarters of coverage. This is
true if you are a widow/er or if you are divorced under certain circumstances.
here for details.
If your spouse qualifies you for free Part A coverage,
follow the instructions for "Enrolling in Medicare
When You Have At Least 40 Quarters of Medicare Coverage".
If you do not have an eligible spouse, then there will
be a premium for Part A as well as Part B. Although Medicare will charge
you for both Part A and Part B coverage, you will not have any out-of-pocket
- You may be eligible for CalSTRS Medicare Premium Payment Program
in which case STRS will pay your Part A premium for you (although they
do not pay for any penalties for late enrollment, or for Medicare Part
- All premiums and/or penalties not covered by the CalSTRS program
will be reimbursed by the Peralta District.
Read about the
Cal STRS Premium Payment Program
Enrollment Periods for Medicare
There are three times when you can sign up for Medicare
Parts A and B.
Initial Enrollment Period
You may sign up for Medicare Parts A and B during your initial enrollment
period, which begins three months before the month you turn 65 and ends
three months after the month you turn 65. (For example, if you turn 65
on July 15, you can sign up anytime between April 1 and October 31.) Your
Medicare coverage will begin the 1st day of the month in which you turn
General Enrollment Period
If you did not enroll in Medicare Parts A and B during the Initial Enrollment
Period, you can sign up during the Medicare General Enrollment Period
which is January 1 through March 31 of each year. Your Medicare
coverage will start July 1 of the year you sign up. You may be charged
penalties for late enrollment in Medicare. Any such penalties will be
reimbursed to you by the Peralta District through its reimbursement program
(see link below).
Special Enrollment Period
This period is available if you are eligible for Medicare and waited to
enroll in Medicare because you or your spouse was actively working and
had group health plan coverage through an employer. You can sign up for
Medicare any time you are still covered by an employer group health plan
through your or your spouse's current employment. If you have not signed
up while you were covered by your or your spouse's employer you can still
sign up without penalty during the eight months following the month
that the group health plan coverage ends, or when the employment ends
(whichever is first). (For example, if you retired in June, 2011,
you can sign up for Medicare until February 2012 without any penalty for
For more information about Medicare enrollment periods,
please contact the Social Security Administration at 1-800-772-1213.
How To Enroll
To enroll in Medicare you can contact the Social Security Administration
at 1-800-772-1213 or you may apply for Medicare online at https://secure.ssa.gov/iClaim/rib.
There may be a penalty for late enrollment (more than three months after
your 65th birthday or 8 months after you stop working). Everyone must
pay a premium for Medicare Part B. Any premiums and/or penalties
are fully reimbursed by the Peralta District.
about receiving reimbursements for Medicare payments.
If you are enrolled in the District's PPO (Preferred Provider Organization)
program (Anthem/Blue Cross-CoreSource) Medicare will become your "primary"
insurer, while CoreSource will provide "wrap around" coverage
for those eligible expenses not covered by Medicare. When you use medical
services be sure to give your provider both your Medicare card and your
If you are enrolled in the District's Kaiser program
you must enroll in Kaiser's Senior Advantage program
after you sign up for Medicare. This will assign your Medicare benefits
to Kaiser and will also offer you some benefits in addition to those you
are entitled to under Peralta's Kaiser plan. You will not be able to use
Medicare for non-Kaiser medical services. To enroll in Senior Advantage
call 1-877-552-1149 after you have enrolled in Medicare
Parts A and B.
about Kaiser's Senior Advantage Program