How do I enroll in Medicare?

Initial Enrollment Period

If you're eligible for Medicare when you turn 65, you can enroll during your Initial Enrollment Period. This is a 7-month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.

If you are close to 65, but not getting Social Security or Railroad Retirement Board benefits, and you want Medicare Part A or Part B, you'll need to sign up (even if you're eligible to get free Part A). If you're not eligible for free Part A, you can buy part A and Part B. Be sure to sign up for Part B during your Initial Enrollment Period so you don't have to pay a lifetime late enrollment penalty if you sign up for it later.

When your coverage begins depends on when you enroll in Medicare and your birthday.

 

If you enroll in Medicare Part A and/or Part B during the first 3 months of your Initial Enrollment Period and your birthday is not on the first of the month then your coverage will begin on the first day of your birthday month. However, if your birthday is on the first of the month your coverage will begin the month before your birthday.

If you enroll in Medicare Part A and/or Part B during the month you turn 65 or during the last 3 months of your Initial Enrollment Period your coverage will begin:

If you enroll:

The month you turn 65 your coverage begins 1 month after enrollment.

1 month after you turn 65 your coverage begins 2 months after enrollment.

2 months after you turn 65 your coverage begins 3 months after enrollment.

3 months after you turn 65 your coverage begins 3 months after enrollment.

Important:

If you are not getting Social Security benefits, Medicare will not mail you any enrollment information. You can enroll online at SocialSecurity.Gov or call Social Security at 1-800-772-1213 (TTY users can call 1-800-325-0778) during your Initial Enrollment Period to avoid any penalties.

Other Special Enrollment periods do exist, for example, if you are leaving employee group insurance. If you think you qualify under these conditions, please give us a call.

If you are under 65 and eligible for Medicare because of a disability, you automatically get Medicare Part A and Part B after you get disability benefits from Social Security or certain disability benefits from the RRB for 24 months. You should receive the "Welcome to Medicare" package approximately 3 months before your 25th month of disability benefits.

Please contact us today to learn more about coverage options.

We are happy to work with you to determine which Medicare options works best for you.