Last month a reader asked me if they could get a Medigap policy if they took early Medicare. That is a common misunderstanding.
Both Social Security Retirement and Medicare are administered by the Department of Health and Human Services. It is easy to get them confused.However, Social Security and Medicare have different qualification requirements.
I am not a government employee. I am not qualified to answer detailed questions about either Social Security or Medicare. Below is the answer I gave to their question.
“It is a common area of confusion. Social Security and Medicare are 2 different programs even though they are administered by the same governmental agency. There is such a thing as taking early Social Security but no Medicare. Unless you qualify for Medicare because you have been on Social Security Disability for 24 months, or have one of a few other health conditions that qualify you for Medicare, you can start Social Security payments at age 62 but not Medicare until you are 65. The age 65 may be extended to 67 during entitlement reform discussions between the White House and Congress next year.
- Can You Switch Medigap Plans? (theinsurancebarn.wordpress.com)
- Medigap Plans A Through N – Compare Medigap Plans (medicaresupplementalinsurance.com)
- Does Obamacare Really Ban Medigap? (theinsurancebarn.wordpress.com)