How do I sign up for Medicare? -

Medicare Enrollment: How and When to Sign Up

Whether you’re turning 65 or enrolling later, it’s important to understand how Medicare enrollment works. Signing up on time ensures you avoid late penalties and get the coverage you need.

Enrolling in Medicare at Age 65

Turning 65? Here’s what to expect:

If You Are Receiving Social Security Benefits:

If you are already receiving Social Security benefits when you turn 65, you will be automatically enrolled in Medicare Part A and Part B. Your red, white, and blue Medicare card should arrive about three months before your 65th birthday.

If You Are Not Receiving Social Security Benefits:

If you are not yet receiving Social Security, you will need to actively sign up for Medicare.

How to Apply for Medicare at 65:

Apply online at www.ssa.gov
Call Social Security at 1-800-772-1213 (TTY: 1-800-325-0778)
Visit your local Social Security office to apply in person

Tip: Enroll during your Initial Enrollment Period (IEP) — a 7-month window that begins three months before your 65th birthday and ends three months after.

Enrolling in Medicare After Age 65

Missed your first opportunity to enroll? No problem — you still have options!

If You Had Employer Health Coverage:

If you continued working or had employer-sponsored health insurance after turning 65, you may qualify for a Special Enrollment Period (SEP).

You have 8 months from the end of your employer coverage to sign up for Medicare Part A and/or Part B.
Enrolling during the SEP helps you avoid late enrollment penalties.

If You Did Not Have Employer Coverage:

If you didn’t have qualifying coverage after 65, you’ll need to enroll during the General Enrollment Period (GEP), which runs from January 1 to March 31 each year. Your coverage will begin July 1, and you may face late penalties.

How to Apply for Medicare After 65:

Apply online at www.ssa.gov
Call Social Security at 1-800-772-1213 (TTY: 1-800-325-0778)
Visit your local Social Security office

Why Enroll in Medicare on Time?

Failing to sign up for Medicare when you’re first eligible could result in:

Higher monthly premiums for Part B (and possibly Part D if you delay drug coverage)
Gaps in your health coverage while you wait for the next enrollment window
Late enrollment penalties that may last for as long as you have Medicare

Starting the Medicare enrollment process early ensures peace of mind — and saves you money in the long run.

👉 Already signed up for Medicare Part A and B? Find out more about your choices from here by visiting our page explaining Medicare Supplement (Medigap) and Medicare Advantage!

Need Help With Medicare Enrollment?

We’re here to guide you through every step! Whether you’re enrolling at 65 or later, we can help you understand your options and avoid common pitfalls.