Underwriting is the process assessing risk of issuing insurance. Undewriters evaluate applications,
Your Medicare card is just as important, if not more important, than any other card in your wallet. This card is your proof of insurance and is necessary if you need to go to the hospital, doctor, or in medical emergencies. If you don’t have your Medicare card, this could pose various issues. That is why it is important to get a replacement card if yours gets damaged, lost, or stolen.
What Is My Medicare Card?
Three months before you turn 65, your Medicare Open Enrollment process begins. During this time, you can enroll in Medicare Part A, Medicare Part B, and Medicare Part D. After you determine which parts of Medicare you want to enroll in, Medicare will then mail you a card that details what parts of Medicare you have. For example, if you only have Medicare Parts A and B, your Medicare card will read to reflect that.
Typically, you will get your Medicare card in the mail about 3 weeks after your application date. If you are among the group that gets automatic enrollment in Medicare, you don’t have to worry about applying – you will get your Medicare card in the mail up to 2 months before your 65th birthday. For example, if you worked for 10 years or 40 quarters in the United States before your 65th birthday, you qualify for automatic enrollment in Medicare Part A. In this scenario, you won’t have to worry about the application process, and 2 months before your 65th birthday, your Medicare card will appear in the mail.
Additionally, the same scenario might apply if you are already receiving Social Security benefits. Some beneficiaries are eligible for Medicare if they have been receiving Social Security benefits for 24 months, or if they qualify for disability.
What if I Need a Medicare Replacement Card?
Life happens. Your Medicare card might get damaged, lost, or in some cases, stolen. If this is the case, don’t worry – while inconvenient, it is replaceable. There are three main ways to request a replacement Medicare card:
- Request a new card online
- Call the Medicare office
- Go in person to your local Social Security office
To request a new Medicare card online, go to the Social Security website at www.ssa.gov. Sign in using your personalized credentials. If you don’t yet have an account, you can create an account online. You can use this service even if you don’t currently receive Social Security benefits.
Once online, there will be an option to “Replace Documents.” From there, you will select to replace your Medicare card.
If you don’t want to complete this process online, you can call 1-800-772-1213 any weekday (Monday – Friday) from 7 am to 7 pm. Once connected to a specialist, let them know that you’re looking to get a replacement Medicare card.
Finally, if you’d rather complete this process in person, you can drive to your local Social Security office and request a replacement Medicare card while there.
Once you complete one of the above steps, your new Medicare card will be physically mailed to the address that Social Security has on file for you. While online, on the phone with a representative, or in person, ensure that the address they have is correct. If you have moved, you’ll want to provide your new address, so your Medicare card isn’t delivered to the wrong home. Expect the card within 30 days.
If you decide to go in person to get your replacement card, you can ask for a letter to use as temporary proof of insurance. Do this if you need to go to the doctor or refill a prescription within the 30 days. You can use this while you wait for your Medicare card to arrive.
You can also request proof over the phone. It will take between 7-10 days for you to receive the card in the mail.
Enjoy Your New Card
Once you get your new card in the mail, continue using it as before. Ensure to keep it in a safe place so it doesn’t get damaged, lost, or stolen. You will need this card for the entire duration you receive Medicare benefits.