I have Medicare Part A and B since 06/01/2006 because of disability. My husband retired on 4/1/2024, and I now have no other coverage except for Medicare Parts A and B because I missed open enrollment for insurance coverage. Note: SS dropped SSI and changed it to straight SS. Please help. You get a Medigap plan to help with the out pocket cost.

Answered by Ben Washington on July 22, 2025

Broker Licensed in IL, FL, MN, SC, TX & WI

Question

I have Medicare Part A and B since 06/01/2006 because of disability. My husband retired on 4/1/2024, and I now have no other coverage except for Medicare Parts A and B because I missed open enrollment for insurance coverage. Note: SS dropped SSI and changed it to straight SS. Please help. You get a Medigap plan to help with the out pocket cost.

Answered by Ben Washington on July 22, 2025

Broker Licensed in IL, FL, MN, SC, TX & WI

Answered by Ben Washington Medicare Insurance Agent

Gary Church · Accepted Answer

You do have coverage under Medicare. Which is important, but the concern is that if you experience a life-changing event, it could be costly because Medicare is an 80-20 plan. Also, do you have a drug plan? If not, you'll be assessed a penalty once you sign up. You do have two options: one is buying a Medicare supplement like Plan G or N, or waiting until AEP from October 15 through December 7, for 2026. I would reach out to a licensed agent to review the right plan.

Answered by Gary Church on July 22, 2025

Broker Licensed in Ca, AZ, NV & TX

Answered by Gary Church Medicare Insurance Agent

Terri Reagin · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/husband-retired-need-help-only-have-medicare-parts-a-and-b#terri-reagin

Ben Washington · Answer

I have Medicare Part A and B since 06/01/2006 because of disability. My husband retired on 4/1/2024, and I now have no other coverage except for Medicare Parts A and B because I missed open enrollment for insurance coverage. Note: SS dropped SSI and changed it to straight SS. Please help. You get a Medigap plan to help with the out pocket cost.

Answered by Ben Washington on July 22, 2025

Broker Licensed in IL, FL, MN, SC, TX & WI

Christy Jones · Answer

When someone has a change in coverage, they qualify for a Special Election Period’ so they can make a change outside of the annual enrollment periods. Find a Broker and get the coverage you need.

Joseph Peck · Answer

There are different options to look at to see what you may qualify for, even a possible special enrollment period. To be able to help I would need more information on your situation, but definitely would be able to get you answers.

Answered by Joseph Peck on July 22, 2025

Agent Licensed in MI, AL, CO, KS & TN

Answered by Joseph Peck Medicare Insurance Agent

Iris Olive · Answer

No worries! There are special enrollment periods that allow you to enroll. You can call me & I can walk you through the process to see if you qualify.

Andrew Kramer · Answer

You have insurance coverage. It's called Medicare. What you don't have is coverage for the 20% that Medicare doesn't pay. That SSI changed to SS is not relevant to this issue, unless the total gross monthly income for you and your spouse, qualifies for Medicaid in your state. Otherwise, you have 2 choices to cover the 20%. You can see if you qualify for a Medicare supplement, based on your health, and ability to pay the monthly premium. Or you can wait til the annual Enrollment, which starts on Oct 15th and sign up for a Medicare Advantage plan. None have health underwriting, and most have a $0 monthly premium and a built-in Rx plan. But since you have gone over 63 days without an Rx plan, you will pay the LEP (late enrollment penalty) on a monthly basis, for the rest of your life.

Answered by Andrew Kramer on July 22, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Jack Mayer · Answer

During AEP you may pick you a health plan and if you are on Medi-Cal then you can opt for a Dual Special Needs Plan or possibly a Chronic Condition Needs plan. At this point you have a gap in coverage. Not sure what you mean regarding what you noted at the end of your question. Reach out to me and we will work with you to take care of it.

Answered by Jack Mayer on July 22, 2025

Agent Licensed in CA & NV

Answered by Jack Mayer Medicare Insurance Agent

Jim Carroll · Answer

How old are you?
For clarity, when exactly did you lose SSI? You have 3 months to join a Medicare Advantage Plan from either the date you lost Medicaid or the date you were notified that you're no longer eligible, whichever is later.

Also, regardless if you lost SSI, if your disability is due to one or more of the chronic conditions recognized by Centers for Medicare & Medicaid Services (CMS), you would qualify to join a Chronic Condition Special Needs Plans (C-SNPs). Those chronic conditions are:

Chronic alcohol and other dependence
Certain autoimmune disorders
Cancer (excluding pre-cancer conditions)
Certain cardiovascular disorders
Chronic heart failure
Dementia
Diabetes mellitus
End-stage liver disease
End-Stage Renal Disease (ESRD) requiring dialysis (any mode of dialysis)
Certain severe hematologic disorders
HIV/AIDS
Certain chronic lung disorders
Certain chronic and disabling mental health conditions
Certain neurologic disorders
Stroke

I have Medicare Part A and B since 06/01/2006 because of disability. My husband retired on 4/1/2024, and I now have no other coverage except for Medicare Parts A and B because I missed open enrollment for insurance coverage. Note: SS dropped SSI and changed it to straight SS. Please help.

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I have Medicare Part A and B since 06/01/2006 because of disability. My husband retired on 4/1/2024, and I now have no other coverage except for Medicare Parts A and B because I missed open enrollment for insurance coverage. Note: SS dropped SSI and changed it to straight SS. Please help.

Agents: Share Your Expertise

Seniors: Ask a Question of Your Own

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Medicare Agents Hub
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