If you won't be drawing any Social Security because of state or federal retirement, be aware that you will have to make the initial contact. No-one will be calling you.
You enroll in Medicare through Social Security--not Medicare--when you are 90 days from the 65th birthday.
In 2012 this could be accomplished with a phone call, but that is no longer the case. You will need to go to the Social Security website at www.socialsecurity.gov and complete the Medicare application--or you can go to your local office. Save yourself the phone call.
After enrolling, CMS will need to be notified, and also CIGNA. Be sure to read the letter you receive from CMS carefully.
The U of I/State of Illinois insurance becomes the Medicare supplement policy. There will be a premium for Medicare so that is a cost increase. If you have dependents, the cost of the state policy drops a little, but not as much as the cost of the Medicare premium.
Welcome to the costs of getting older!
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