Quick Answer: Do You Need to Apply?
✓ You may be enrolled automatically if:
- • You are already receiving Social Security benefits
- • You are receiving Railroad Retirement Board benefits
⚠️ You must actively apply if:
- • You are not yet receiving Social Security
- • You are still working and delaying benefits
- • You are approaching 65 and not on SS yet
Your Initial Enrollment Period (IEP)
Your Initial Enrollment Period is a 7-month window centered around your 65th birthday. This is your first and most important opportunity to enroll in Medicare without a penalty.
💡 Important: When Coverage Starts
If you enroll in the 3 months before your birthday month, coverage starts the 1st of your birthday month. If you enroll in your birthday month or after, coverage may be delayed by 1-3 months. Enrolling early is usually better.
Step-by-Step: How to Apply for Medicare
Check if you will be enrolled automatically
If you are already receiving Social Security or Railroad Retirement Board benefits, Medicare will contact you automatically. You should receive your Medicare card about 3 months before your 65th birthday.
Create or access your my Social Security account
Go to ssa.gov/myaccount to create or log in to your my Social Security account. You will need a Login.gov or ID.me credential to access it. This account lets you apply for Medicare, check your enrollment status, and manage your benefits.
Apply online at SSA.gov
The easiest way to apply is online at ssa.gov/medicare/apply. The application takes about 10-15 minutes. You can apply for Part A only, or Part A and Part B together.
Or call Social Security
You can also apply by calling Social Security at 1-800-772-1213 (TTY: 1-800-325-0778). They are available Monday through Friday, 8 AM to 7 PM.
Or visit your local Social Security office
You can visit a local Social Security office in person. Use the office locator at ssa.gov/locator to find the nearest office. Consider scheduling an appointment to avoid long waits.
Decide about Part B if you have employer coverage
If you or your spouse is still working and you have employer-sponsored health coverage, you may be able to delay Part B without a penalty. Talk to your employer's HR department and consider speaking with Darin before making this decision.
Consider your supplemental coverage options
Once enrolled in Part A and Part B, you will need to decide whether to add a Medigap plan, join a Medicare Advantage plan, and whether you need a Part D drug plan. This is where working with an independent agent like Darin is especially valuable.
Common Medicare Enrollment Mistakes to Avoid
Assuming VA coverage protects you from Part B penalties
VA health care is NOT creditable coverage for delaying Part B. If you rely only on VA and delay Part B, you may face a permanent penalty.
Missing your Initial Enrollment Period
You only get one IEP. If you miss it without a qualifying reason, you must wait for the General Enrollment Period (January 1 – March 31) and may face penalties.
Thinking COBRA counts as employer coverage
COBRA is continuation coverage, not active employer coverage. It generally does not protect you from Part B penalties.
Skipping Part D because you take no medications
If you skip Part D and later need it, you may face a permanent penalty for every month you went without creditable drug coverage.
Not enrolling in Part B to keep TRICARE For Life
Retired military beneficiaries with TRICARE For Life generally must have both Part A and Part B to keep TRICARE For Life coverage.
Explore More: How to Apply
Sources
Medicare.gov, CMS.gov, SSA.gov. This page is for educational purposes only. Consult with a licensed Medicare professional for advice specific to your situation.