Signing up for Medicare
Signing up for Medicare starts at the Social Security Administration (www.ssa.gov). They handle most of the paperwork for Medicare enrollment. If you are receiving retirement or disability or railroad retirement checks, you will be contacted a few months before you become eligible for Medicare and given the information you need. If you are not receiving Social Security benefits, you should sign up for Medicare Part A three months (3) before your 65th birthday.
When you first become eligible for hospital insurance (Part A), you have a seven-month period (your initial enrollment period) in which to sign up for medical insurance (Medicare Part B). Missing the deadline will cause a delay in coverage and result in higher premiums.
If you are eligible at age 65, your initial enrollment period begins three months before your 65th birthday, includes the month you turn age 65 and ends three months after that birthday. If you are eligible for Medicare based on disability or permanent kidney failure, your initial enrollment period depends on the date your disability or treatment began.
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Signing up for Medicare is easy. If you are not receiving Social Security benefits signing up for Medicare online takes just minutes. Or call Social Security at 1-800-772-1213 or visit their website at www.socialsecurity.gov for more information. For many, full retirement Social Security benefits begin at 66 now, later than Medicare eligibility which is still 65. So even if you are still working or delaying talking Social Security benefits until full retirement, sign up for Medicare Part A when you are first eligible. Still working? Speak with your HR representative to understand how Medicare works with your employer health coverage.
In order to buy Medicare Supplement insurance or enroll in a Medicare Advantage plan you must sign up for Medicare Part A and Medicare Part B.
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