How to enroll in Medicare
When you are turning 65, you have a 7-month window to enroll in Medicare. You can enroll in Medicare 3 months before your birthday month and as late as 3 months after your birthday month. It is recommended that you enroll as soon as possible to ensure you have coverage and avoid any delays.
Medicare Supplement (Medigap)
Enrolling with a Medicare Supplement (Medigap) plan, you must enroll in Medicare Part B because Medigap only works with Original Medicare (Part A and Part B).
However, Part D (prescription drug coverage) is optional but highly recommended. If you do not enroll in a standalone Part D plan when first eligible and decide to get it later, you may face a late enrollment penalty unless you have other creditable drug coverage.
See my blog article on what Medicare doesn’t cover.
What Medicare Doesn’t Cover
You can enroll in Medicare Part A, Part B, and Part D through the following steps:
1. Enrolling in Medicare Part A & Part B
- Online: Visit SSA.gov and apply through the Social Security website.
- By Phone: Call Social Security at 1-800-772-1213 (TTY: 1-800-325-0778).
- In Person: Visit your local Social Security office to apply.
🔹 If you’re already receiving Social Security benefits, you will be automatically enrolled in Part A and Part B at age 65. You will receive your Medicare card in the mail about 3 months before your 65th birthday.
🔹 If you are NOT automatically enrolled, you need to apply during your Initial Enrollment Period (IEP) (which starts 3 months before your 65th birthday and lasts for 3 months after).
2. Enrolling in Medicare Part D (Prescription Drug Plan)
- Compare plans at Medicare.gov to find a Part D plan that fits your needs.
- Enroll online through Medicare.gov, directly with the insurance company, or by calling 1-800-MEDICARE (1-800-633-4227).
- Work with a licensed insurance agent to review your options and enroll.
💡 Important: If you don’t enroll in Part D when first eligible and don’t have other creditable drug coverage, you may face a late enrollment penalty when you sign up later.
Would you like help finding the right plan? 😊
Schedule an appointment with Mike Brenhaug for assistance.