Turning 65
Employees & Their Spouses
Federal Law requires that you and your spouse must apply for Medicare if you are 65 years or older, even if you think you are not eligible. You may qualify under a spouse’s (including divorced or deceased spouse’s) record. The closest Social Security Office to Canton is located at:
One Edgewater Drive
Suite 102
Norwood, MA 02062
The telephone number is 800-772-1213. The Social Security Administration has a website for applying for Medicare (and where you can find additional program information).
If you and/or your spouse do qualify for Medicare and are currently working for the Town of Canton or School Department when you turn 65, you may defer enrolling into Part B. Please email Jody Middleton, Human Resources Director or call 781-821-2936. If you and/or your spouse do not qualify for Medicare, please send the letter from Social Security to the Human Resources Department.
Retirees & Their Spouses Medicare Part A & B Enrollment Requirements
Federal Law requires that you must apply for Medicare if you are 65 years or older, even if you think you are not eligible. You and/or your spouse may qualify under a spouse’s (including divorced or deceased spouse’s) record. The closest Social Security Office to Canton is located at: One Edgewater Drive, Suite 102, Norwood, MA 02062. The telephone number is 800-772-1213. The Social Security Administration has a website for applying for Medicare (and where you can find additional program information).
Medex
The Town of Canton requires retirees and their spouses, who are eligible for Medicare, to enroll in Medicare Part A (hospital insurance) and Medicare Part B (physician’s insurance). All Medicare-eligible retirees and their spouses are also required to enroll in the Town’s Medicare supplemental insurance plan, Medex, which includes prescription coverage. (Do NOT enroll in Medicare Part D). Medex is a Blue Cross Blue Shield Supplemental Insurance that fill "gaps" in Medicare coverage. If retirees and/or their spouses do not qualify for Medicare, please send the letter from Social Security to the Human Resources Department.
2023 Medicare Part B Premiums
The standard Part B premium amount in 2022 will be $164.90. Most people will pay the standard Part B premium amount. If your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you’ll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.
Income & Payment
The 2023 Part B total premiums for high-income beneficiaries with full Part B coverage are shown in the following table.
If your yearly income in 2021 (for what you pay in 2023) was:
| Beneficiaries who file individual tax returns with modified adjusted gross income: | Beneficiaries who file joint tax returns with modified adjusted gross income: | Income-Related Monthly Adjustment Amount: | Total Monthly Premium Amount: |
|---|---|---|---|
| Less than or equal to $97,000 | Less than or equal to $194,000 | $0.00 | $164.90 |
| Greater than $97,000 and less than or equal to $123,000 | Greater than $194,000 and less than or equal to $246,000 | $65.90 | $230.80 |
| Greater than $123,000 and less than or equal to $153,000 | Greater than $246,000 and less than or equal to $306,000 | $164.80 | $329.70 |
| Greater than $153,000 and less than or equal to $183,000 | Greater than $306,000 and less than or equal to $366,000 | $263.70 | $428.60 |
| Greater than $183,000 and less than or equal to $500,000 | Greater than $366,000 and less than or equal to $750,000 | $362.60 | $527.50 |
| Greater than or equal to $500,000 | Greater than or equal to $750,000 | $395.60 | $560.50 |
2022 Medicare Part B Premiums
The standard Part B premium amount in 2022 will be $170.10. Most people will pay the standard Part B premium amount. If your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you’ll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.
Income & Payment
If your yearly income in 2020 (for what you pay in 2022) was:
| File Individual Tax Return | File Joint Tax Return | File Married and Separate Tax Return | You Pay (in 2022) |
|---|---|---|---|
| $91,000 or less | $182,000 or less | $91,000 or less | $170.10 |
| Above $91,000 up to $114,000 | Above $182,000 up to $228,000 | Not applicable | $238.10 |
| Above $114,000 up to $142,000 | Above $228,000 up to $284,000 | Not applicable | $340.20 |
| Above $142,000 up to $170,000 | Above $284,000 up to $340,000 | Not applicable | $442.30 |
| Above $170,000 and less than $500,000 | Above $3400,000 and less than $750,000 | Above $91,000 and less than $409,000 | $544.30 |
| $500,000 or above | $750,000 and above | $409,000 and above | $578.30 |
Medicare Information
Send the completed documents and a photocopy of your Medicare card or your letter from the Social Security Administration to:
Town of Canton
Human Resources Department
801 Washington Street
Canton, MA 02021
If the Town of Canton does not receive your completed forms with a copy of your Medicare A and B by the 1st of the month, prior to your birth month, we cannot guarantee that your prescription drug program will be effective on the first of your birth month. (i.e. birth month through July. All information must be received by June 1st in order to be processed in a timely manner). The Blue Cross Medicare D program cannot make your prescription drug coverage retroactive to your Medicare A and B effective date. This coverage will be effective the first of the following month.