How to Enroll in Medicare:
The importance of signing-up
at age 65
As people near their 65th birthday, signing up for Medicare is usually low on their list of priorities. This often gets pushed to the back burner because people are unsure of how the enrollment process works.
Here is some information and resources to help with the Medicare enrollment process:
If you are currently receiving Social Security benefits or Railroad Retirement benefits, you will automatically be enrolled in Medicare.
If you are not currently receiving benefits, you want to enroll in Medicare during the initial enrollment period, which begins 3 months before your 65th birthday, and ends 3 months after your birthday.
Leaving employer coverage will NOT automatically enroll you in Medicare after your group coverage ends. You must file. The date you file for Medicare will impact the date that your coverage starts. Applying for Medicare before your 65th birthday will prevent delays or gaps in coverage.
If you are still working, Medicare will coordinate with your employer group coverage. You have the option of enrolling in Part B or delaying it until you leave the group coverage. It can save you money to wait until after you retire to enroll in Part B.
How to Enroll:
The easiest way to apply for Medicare is online. If you prefer, you can also apply by phone or in person.
In order to apply on-line, complete the application at www.ssa.gov/benefits/medicare
To apply by phone, call 1-(800)772-1213
You can also apply in-person at your local social security office.