How do I enroll in Medicare?

What is the step-by-step process for enrolling in Medicare once I become eligible?

When you become eligible for Medicare, it’s important to follow the enrollment steps to ensure you receive the right coverage at the right time. Here’s a step-by-step guide to help you through the process:

1. Determine Your Eligibility:

   • Most people are eligible for Medicare at age 65, or earlier if they have certain disabilities or conditions like End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS).

2. Initial Enrollment Period (IEP):

   • Your IEP is a 7-month window that begins 3 months before the month you turn 65, includes your birthday month, and extends 3 months after your birthday. If you're eligible due to disability, your IEP starts in your 24th month of receiving SSDI benefits.

3. Decide Which Parts of Medicare You Need:

   • Part A (hospital insurance) is typically premium-free if you’ve paid Medicare taxes for 10 years. Most people enroll in Part A as soon as they’re eligible.

   • Part B (medical insurance) covers doctor visits and outpatient care, but it comes with a monthly premium. You can choose to delay enrollment in Part B if you're still covered by an employer's health plan.

   • Part D (prescription drug coverage) or a Medicare Advantage Plan may also be options to consider based on your needs.

4. Gather Necessary Documents:

   • Before you start your application, gather documents like your Social Security card, proof of age, citizenship or legal residency, and, if applicable, disability documentation or employment insurance information.

5. Enroll in Medicare:

   • If you’re already receiving Social Security or Railroad Retirement benefits, you’ll be automatically enrolled in Medicare Parts A and B. If not, you will need to enroll manually by:

     • Online: Visit the Social Security Administration website to apply online.

     • By Phone: Call Social Security at 1-800-772-1213.

     • In Person: Visit your local Social Security office.

6. Review Your Coverage Options:

   • After enrolling in Original Medicare (Parts A and B), you may want to explore options for additional coverage, such as a Medicare Supplement Plan (Medigap) or Medicare Advantage Plan. You can also add Part D for prescription drug coverage.

7. Stay Informed:

   • Once enrolled, it’s essential to stay on top of your benefits, coverage changes, and open enrollment periods each year to adjust your plan as needed.

For detailed guidance on navigating the process or choosing the right plan for your needs, schedule an appointment with one of our brokers: Schedule an Appointment.