At What Age I Have Register For Medicare

Medicare is our country's health insurance program for people age 65 or older. Certain people younger than age 65 can qualify for Medicare besides, including those with disabilities and those who have permanent kidney failure.

The program helps with the cost of wellness care, but information technology does non cover all medical expenses or the cost of nigh long-term care. You have choices for how you become Medicare coverage. If y'all choose to take Original Medicare (Part A and Part B) coverage, you can buy a Medicare Supplement Insurance (Medigap) policy from a individual insurance company.

The Centers for Medicare & Medicaid Services is providing equitable relief to individuals who could not submit premium-Office A or Part B enrollment or disenrollment requests timely due to challenges contacting us by telephone. This relief applies to the 2022 General Enrollment Period, Initial Enrollment Menstruation, and Special Enrollment Menstruation.

If y'all were unable to enroll or disenroll in Medicare because you could not reach the states by phone after January i, 2022, yous will be granted boosted time, through December 30, 2022.

For more information, call i-800-772-1213 or use our Office Locator to find the number for a local office.

The Parts of Medicare

Social Security enrolls you in Original Medicare (Function A and Part B).

Medicare Part A (hospital insurance) helps pay for inpatient care in a hospital or limited time at a skilled nursing facility (following a infirmary stay). Role A also pays for some home health intendance and hospice care.
Medicare Part B (medical insurance) helps pay for services from doctors and other health intendance providers, outpatient intendance, home health care, durable medical equipment, and some preventive services.

Other parts of Medicare are run by private insurance companies that follow rules set past Medicare.

Supplemental (Medigap) policies aid pay Medicare out-of-pocket copayments, coinsurance, and deductible expenses.
Medicare Advantage Plan (previously known every bit Part C) includes all benefits and services covered under Part A and Part B — prescription drugs and additional benefits such as vision, hearing, and dental — bundled together in one plan.
Medicare Role D (Medicare prescription drug coverage) helps comprehend the price of prescription drugs.

Most people age 65 or older are eligible for free Medical hospital insurance (Part A) if they accept worked and paid Medicare taxes long enough. You can enroll in Medicare medical insurance (Part B) by paying a monthly premium. Some beneficiaries with college incomes will pay a higher monthly Part B premium. To learn more, read Medicare Premiums: Rules For College-Income Beneficiaries.

Should I Sign Up For Medical Insurance (Office B)?

With our online application, you tin can sign up for Medicare Part A (hospital insurance) and Part B (medical insurance). Considering you must pay a premium for Office B coverage, you can plough it downwards.

If you're eligible at age 65, your initial enrollment period begins three months before your 65th birthday, includes the month yous turn age 65, and ends three months later that birthday.

If you cull not to enroll in Medicare Office B and then decide to exercise so later, your coverage could be delayed and you may have to pay a higher monthly premium for equally long as you accept Part B. Your monthly premium will go upwardly 10 percent for each 12-calendar month menses y'all were eligible for Part B, but didn't sign up for information technology, unless you authorize for a "Special Enrollment Menstruum" (SEP).

If you don't enroll in Medicare Function B during your initial enrollment period, you have some other hazard each year to sign up during a "general enrollment period" from Jan 1 through March 31. Your coverage begins on July 1 of the yr you enroll. Read our Medicare publication for more information.

If you take a Wellness Savings Business relationship (HSA) or health insurance based on current employment, y'all may want to ask your personnel office or insurance company how signing up for Medicare will affect you.

Special Enrollment Period (SEP)

If you accept medical insurance coverage nether a group health plan based on your or your spouse's current employment, you may non need to apply for Medicare Part B at age 65. You may qualify for a "Special Enrollment Period" (SEP) that will allow yous sign up for Part B during:

Whatsoever calendar month you remain covered under the group health plan and you or your spouse's employment continues.
The viii-calendar month period that begins with the month subsequently your group health plan coverage or the employment it is based on ends, whichever comes kickoff.

How To Apply Online For Just Medicare

If you are within iii months of turning age 65 or older and not ready to offset your monthly Social Security benefits yet, you tin use our online retirement application to sign upward just for Medicare and wait to apply for your retirement or spouses benefits afterward. It takes less than 10 minutes, and there are no forms to sign and ordinarily no documentation is required.

Apply for Medicare But

Return to Saved Awarding | Bank check Application Status | Supervene upon Medicare Card

To detect out what documents and data you need to apply, go to the Checklist For The Online Medicare, Retirement, and Spouses Awarding.

Medicare Cards

To help protect your identity, your Medicare carte du jour has a Medicare number that'due south unique to you. If you did not receive your red, white, and blue Medicare card, there may be something that needs to be corrected, like your mailing address. Y'all tin update your mailing address past signing in to or creating your personal my Social Security account. Learn more about your Medicare bill of fare.

Already Enrolled in Medicare

If you have Medicare, you can get information and services online. Detect out how to manage your benefits.

If you are enrolled in Medicare Part A and you want to enroll in Office B, delight complete grade CMS-40B, Application for Enrollment in Medicare – Role B (medical insurance). If you are applying for Medicare Role B due to a loss of employment or group wellness coverage, you volition also need to complete grade CMS-L564, Request for Employment Information.

You lot tin can use one of the following options to submit your enrollment request under the Special Enrollment Period:

Go to "Apply Online for Medicare Part B During a Special Enrollment Period" and consummate CMS-40B and CMS-L564. Then upload your evidence of Group Health Plan or Large Grouping Health Plan.
Fax or mail your CMS-40B, CMS-L564, and secondary prove to your local Social Security part (see list of secondary show below).

Annotation: When completing the forms CMS-40B and CMS-L564

State "I desire Part B coverage to brainstorm (MM/YY)" in the remarks section of the CMS-40B form or online awarding.
If possible, your employer should complete Department B.
If your employer is unable to complete Section B, please consummate that portion as all-time equally you tin can on behalf of your employer without your employer'southward signature and submit i of the following forms of secondary evidence:

Income revenue enhancement grade that shows wellness insurance premiums paid.
W-2s reflecting pre-revenue enhancement medical contributions.
Pay stubs that reverberate wellness insurance premium deductions.
Health insurance cards with a policy effective appointment.
Explanations of benefits paid by the GHP or LGHP.
Statements or receipts that reflect payment of wellness insurance premiums.

Yous'll have Original Medicare (Part A and Role B) unless you lot make another selection. Y'all can decide to add a drug plan (Role D) or buy a Medigap policy to aid pay for costs that Original Medicare doesn't cover. Yous can choose to join a Medicare Advantage Plan (Part C) and get all your Medicare coverage (including drugs and extra benefits like vision, hearing, dental, and more) bundled together in 1 program.

Some people with limited resources and income may also exist able to get Actress Help to pay for Role D drug costs.

What Happens After I Apply?

The Centers for Medicare & Medicaid Services (CMS) manages Medicare. After y'all are enrolled, they will send you a Welcome to Medicare packet in the mail with your Medicare menu. You lot will also receive the Medicare & Y'all handbook, with of import information about your Medicare coverage choices.

Other Medicare Enrollment Options

If yous alive in Puerto Rico you lot will not receive Medicare Role B (medical insurance) automatically. You volition need to sign up for it during your initial enrollment period, or you will pay a penalization. To sign upwardly, please call our cost-free number at 1-800-772-1213 (TTY 1-800-325-0778). You too may contact your local Social Security office. You tin find your local Social Security office by using our Function Locator.

Related Information

Who do I contact - Social Security or Medicare?
Utilize Online for Medicare — Even if Yous Are Not Ready to Retire
Help Fight Medicare Fraud
Get Extra Help with Medicare prescription drug plan costs
More Medicare data
Understanding Medicare Role C & D Enrollment Periods
Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare
Understanding Medicare Advantage Plans
Mandatory Medicare Coverage

Medicare

Website: www.medicare.gov

Cost-costless number:
1-800-MEDICARE
(one-800-633-4227)

TTY number: 1-877-486-2048