What you should know
1. Medicare enrollment begins around 65 for most Americans. 2. Most people qualify for premium-free Medicare Part A, which covers hospital and skilled nursing facility care, hospice, and some home health care.
3. If you don’t qualify for automatic Medicare enrollment, you’ll need to sign up during your seven-month Initial Enrollment Period (IEP). 4. If you don’t sign up during your IEP, you can enroll during the annual general enrollment period, which lasts from January 1 through March 31 of each year.

Your 65th birthday marks the date when, after decades of working and paying into the Medicare system through taxes, the system finally starts paying you back with government health insurance.

“Enrolling in Medicare is vitally important for all Americans, and it’s just as important to do it in the right way, at the right time,” says Bryan W. Adams, cofounder and CEO of Integrity Marketing Group. Given that health care expenses tend to rise as you age, “taking full advantage of the Medicare coverage and benefits you’ve earned can play a crucial role in protecting your health and savings.”

It pays to be on time with Medicare enrollment. If you sign up too late, you may get a penalty in the form of a higher monthly premium. Every 12 month-period you could have had Part B but didn’t, your monthly premium could increase by 10%, unless you qualify for a Special Enrollment Period (SEP) by having creditable coverage, such as group health coverage through your current employer. You’ll have to keep paying this higher premium for as long as you have Medicare.

Here’s what you need to know about how and when to sign up for Medicare.

When should I sign up for Medicare?

If you start receiving Social Security or United States Railroad Retirement Benefits (RRB) at least four months before your 65th birthday, you’ll be enrolled automatically in Medicare Part A and Part B when you turn 65. You should get your Medicare card in the mail three months before your 65th birthday. Your coverage will begin the first day of the month you turn 65 unless your birthday is the first day of the month, in which case coverage begins the month before you turn 65. Your Medicare premiums will be deducted automatically from your Social Security payments.

If you aren’t receiving Social Security or RRB at least four months before your 65th birthday, you’ll need to sign up for Medicare yourself. Generally, you should do this during your IEP to avoid paying a penalty premium.

Your IEP begins three months before the month you turn 65 and lasts for three months after your birthday month, giving you seven months total to enroll. For example, if your birthday is in September, your IEP will last from June 1 through December 31. Your Part A coverage can apply retroactively for up to six months before enrollment but not beyond the date you first became eligible for Medicare Part A.

“I would recommend enrolling as soon as possible, so you can start receiving benefits as soon as you’re eligible,” Adams says.

If you don’t sign up during your IEP, you can enroll during the annual general enrollment period, which lasts from January 1 through March 31 of each year. Just be aware that when you enroll during general enrollment, your coverage doesn’t begin until July 1 of the year you enroll. You may also face higher premiums for Medicare Part B because of your late enrollment.

“Medicare Part B coverage is fully optional,” Adams says. Because you must pay a premium for Medicare Part B, you can turn down that part of your coverage. Doing so could prove costly down the road.

“By not having Part B, you cannot enroll in a Medicare supplement or Medicare Advantage Plan,” says John Norce, president of Medicare assistance firm Medicare Portal. “Thus, you’re exposed to all claims that normally would be covered under Part B until your enrollment is active.”

Part B also cannot be backdated or retroactively enrolled “unless there is some crazy mitigating circumstance where the government made a mistake or you received bad information from the government,” Norce says.

Some people can delay Medicare coverage after they turn 65. If you have group health plan coverage through your current employer or your spouse’s employer, you may be able to delay enrollment without paying a late enrollment penalty when you do sign up.

People with certain disabilities or conditions may be able to sign up for Medicare before turning 65. You’ll be automatically enrolled in Medicare Parts A and B after you’ve received Social Security or RRB disability benefits for 24 months. You should receive your Medicare card in the mail three months before the 25th month of your disability benefits.

Certain conditions can change Medicare eligibility and enrollment. If you have amyotrophic lateral sclerosis (ALS or Lou Gehrig’s disease), you’re enrolled automatically in Medicare Part A and Part B starting the month you begin receiving disability benefits. Individuals with end-stage renal disease (ESRD) who qualify for Part A can sign up before turning 65 as well. If you qualify for Part A due to ESRD, you can also get Part B. You’ll need both Parts A and B to cover some dialysis and kidney transplant services. You won’t be subject to the late enrollment period if you’re approved for Medicare based on ESRD.

Whether you’re enrolled in Medicare Part A and Part B automatically or sign up yourself, you can also decide to get a Medicare Advantage Plan (Part C) and or Medicare drug coverage (Part D). You can sign up for Parts C and D during your IEP or the open enrollment period from October 15 to December 7 each year. If you join a Medicare Advantage Plan that has drug coverage, you won’t need to sign up for a Part D prescription drug plan too.

How do I sign up for Medicare?

If you aren’t automatically enrolled in Medicare Part A, you can sign up online at SSA.gov or your local Social Security office, if it’s open*. The online application process takes 10 minutes and usually doesn’t require any documentation or signatures. You’ll need to submit:

  • Your date and place of birth
  • Your Permanent Resident Card number if you’re not a U.S. citizen
  • Your Medicaid number and start and end dates
  • The start and end dates for your current health insurance through your or your spouse’s employer

*All Social Security Administration offices are closed for walk-ins due to COVID-19, but the Medicare hotline is still available to answer questions at (800) -633-4227.

To enroll in Part B through a SEP, you can apply online or mail a completed Application for Enrollment in Medicare – Part B form (CMS 40B) along with a Request for Employment Information form (CMS L564) and any required proof of employment to your local Social Security office. You can also fax these forms to (833) 914-2016. These forms are available on the U.S. Centers for Medicare & Medicaid Services website, CMS.gov.

Once you sign up, you’ll have to choose what parts of Medicare coverage you want. “The cost and benefits of the coverage options available to you can vary significantly, so you’ll want to do a little homework ahead of time,” Adams says. “Making a list that includes your doctors and hospitals, prescription drugs, and lifestyle and budget can help narrow down your options and find coverage that fits your needs.”

Medicare consultant

LeRon Moore has guided Medicare beneficiaries and their families as a Medicare professional since 2007. First as a Medicare provider enrollment specialist and now a Medicare account executive, Moore works directly with Medicare beneficiaries to ensure they understand Medicare and Medicare Advantage Plans.

Moore holds a bachelor’s degree from Southern New Hampshire University and is A+ Certified with a Medical Records Clerk Certification and Medical Terminology Certification from Midlands Technical College.

He’s passionate about educating, informing, and resolving issues concerning Medicare and Medicare Advantage Plans, and considers it imperative that he does all he can to educate and inform the senior community as much as possible about Medicare.