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Signing Up for Medicare

 

Some people will automatically get Part A and Part B while others have to sign up on their own. If you’re already getting benefits from Social Security or the Railroad Retirement Board, then your Part A and B are going to start the first day of the month that you turn 65.

 

An important thing to know is if your birthday falls on the first day of the month, both your Part A and Part B will start the first day of the prior month.  Here’s an example: Joe turns 65 on April 1st. His Part A and Part B will have an effective date of March 1st. If you’re going to be automatically enrolled, you’ll receive your red, white and blue Medicare card in the mail 3 months before you turn 65.

 

What if you’re not getting Social Security or Railroad Retirement Board benefits? Then you’ll need to sign up yourself for Part A and Part B. The best thing to do is contact Social Security 3 months before you turn 65. This is important. In most situations, if you don’t sign up for Part B when you’re first eligible, you might have to pay a late enrollment penalty for as long as you’re enrolled in Part B.

 

Signing up can be done the following three ways:

  • Online | socialsecurity.gov/retirement
  • Phone | 1-800-MEDICARE (1-800-633-4227)
  • In person | your local Social Security office

 

Do you have specific questions on how to sign up for Medicare? Our Mentors have the answers!

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