When and How to Apply for Medicare?

You have the option to enroll in Medicare either by contacting Social Security directly or by being automatically enrolled when you turn 65.

If you're receiving Social Security benefits

If you've been receiving Social Security benefits for at least four months before reaching the age of 65, you'll automatically receive both Medicare Part A and Part B. However, you can choose to delay Part B if you have other qualifying health coverage.

For those who have applied for Social Security but haven't received benefits for the required duration, automatic enrollment in Medicare Part A will occur upon eligibility, and you'll need to apply for Part B separately.

If you're not getting Social Security yet

If you are not yet receiving Social Security benefits, you can apply for Medicare in one of three ways:

• Apply online through the Social Security website for a quick and efficient process.
• Call Social Security at 800-772-1213 (TTY 800-325-0778).
• Visit your local Social Security office, although it is recommended to schedule an appointment to avoid long wait times.

If you're disabled and under age 65

If you are under the age of 65 and disabled, Medicare is accessible for individuals receiving Social Security disability benefits (SSDI). Typically, automatic enrollment in Medicare occurs after 24 months of eligibility for disability benefits.

Individuals with end-stage renal disease or Lou Gehrig's disease (ALS) may have special eligibility rules for Medicare.

When to sign up for Medicare

To ensure timely enrollment, sign up during the three months preceding your 65th birthday. This ensures that your coverage commences on the first day of your birthday month, except if your birth date falls on the first day of the month.

Missing the initial enrollment period may result in penalties or coverage gaps. If you miss the initial window, you may need to enroll during Medicare's general enrollment period.

Medicare late enrollment penalties

Failure to enroll in Medicare on time may result in late fees. These penalties can be permanent and affect Part A, Part B, and Part D premiums. Timely enrollment is crucial to avoid these penalties and ensure cost-effective coverage.

What happens after you sign up for Medicare

Once you've enrolled, you'll receive a welcome kit by mail and your red, white, and blue Medicare card. Coverage start dates depend on when you enroll:

• If you enroll before the month of your 65th birthday, coverage begins in your birthday month.
• Enrolling during your birthday month or later results in coverage starting the next month.

Expert Guidance

Are you seeking help to get clarity on your healthcare coverage choices? Allow our team of experts to guide you in understanding your basic benefits, and we can assist you in selecting the right supplemental plan.