How and When Do I Enroll in Medicare?
If you are a citizen aged 65 or older and need medical insurance, congratulations! You are eligible to enroll in Medicare.
Medicare is separate from your Social Security application for income benefits. You age into Medicare at 65, regardless of whether you are taking your retirement income benefits yet.
However, don’t expect Medicare to notify you when it’s time to sign up. You will need to be mindful of the appropriate time to apply.
If you are already taking Social Security income benefits or Railroad Retirement Board benefits, you will be automatically enrolled in Medicare Parts A and B at age 65. Your card should arrive 1-2 months before you turn 65.
If you are NOT taking retirement benefits just yet, then you will need to submit a Medicare application yourself.
The good news is, you only have to apply once, you do not have to apply every year. Your Medicare Parts A and B will automatically renew each year so long as you pay your premiums.
Initial Enrollment Period
The Initial Enrollment Period (IEP) for Medicare Parts A, B, and D lasts 7 months. This timeline begins 3 months before your 65th birthday month and runs for 3 months after your birth month. Enrolling in Medicare during your IEP will ensure you will have no late penalties. This is also important because there are also no pre-existing condition waiting periods.
As you get closer and closer to turning 65, you might question whether or not you need to enroll in Medicare. Do you need to enroll or will you be automatically enrolled?
If you are collecting some form of Social Security, whether that is due to retirement or disability, you are automatically enrolled in Medicare Part A and Part B when you become eligible. You become eligible when you turn 65 or have been receiving Social Security Disability for 24 months.
If you are not collecting Social Security because of retirement or disability, then you will need to enroll. There are 3 main ways for enrolling to Medicare; online, by the phone, or in person. The choice of how you want to apply is up to you.
How do I enroll in Medicare?
As you get closer and closer to turning 65, you might question whether or not you need to enroll in Medicare. Do you need to enroll or will you be automatically enrolled?
If you are collecting some form of Social Security, whether that is due to retirement or disability, you are automatically enrolled in Medicare Part A and Part B when you become eligible. You become eligible when you turn 65 or have been receiving Social Security Disability for 24 months.
If you are not collecting Social Security because of retirement or disability, then you will need to enroll. There are 3 main ways for enrolling in Medicare online, on the phone, or in person. The choice of how you want to apply is up to you.
Enroll in Medicare Online
Social Security offers an online retirement application that can be completed in as little as 15 minutes and from the comfort of your own home. Which means you don’t need to brave the traffic and can stay in your pajamas. It’s a win win!
To do so, visit the Social Security website and follow the links to apply.
In most cases, once your application is submitted electronically, you’re done. Social Security will process your application and contact you by telephone or by mail if any further information is needed.
Many people opt to apply online as it is the quickest and easiest.
Enroll in Medicare by Phone
To apply by phone, you will need to contact Social Security at 1-800-772-1213 and let the customer service representative know you would like to apply for Medicare. You are usually able to get through to someone pretty quickly, but if the call volume is high, they will likely schedule an appointment to call you back.
While the phone part of the process is relatively quick, they will have to mail forms for you to fill out and then you have to mail those forms back in, which can take a couple of weeks. Therefore, this is only a good option if you have a month of two lead time before the application is due.
Enroll in Medicare in Person
Some people just prefer to apply face to face. If that is you, simply visit your local Social Security office. Not sure where that is? Visit the website to search for the one closest to you. When you arrive, you will meet with a representative who will walk you through what is needed from you.
