When should I sign up for Medicare?

Generally, we advise people to file for Medicare benefits 3 months before age 65. Remember, Medicare benefits can begin no earlier than age 65. If you are already receiving Social Security, you will automatically be enrolled in Medicare Parts A and B without an additional application. However, because you must pay a premium for Part B coverage, you have the option of turning it down.  You will receive a Medicare card about two months before age 65. (Note: Residents of Puerto Rico or foreign countries will not receive Part B automatically. They must elect this benefit.)

If you would like to file for Medicare only, you can apply by calling 1-800-772-1213. Our representatives there can make an appointment for you at any convenient Social Security office and advise you what to bring with you.  When you apply for Medicare, we often also take an application for monthly benefits.  You can apply for retirement benefits online.   

If you didn’t sign up when you were first eligible for Medicare, you can sign up during the General Enrollment Period between January 1 and March 31 each year, unless you are eligible for a Special Enrollment Period.