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Apply for Medicare | How to Sign Up

​Turning 65 and having to sign up for Social Security and Medicare can be a daunting task. With many different sourses of information to choose from, it can easily be done incorrectly. We are here to help make sure you have a smooth transition from your individual or group health plan onto Medicare. 

Key Points

  • Automatic Enrollment: If you’re receiving Social Security benefits at least 4 months before your 65th birthday, you’ll be automatically enrolled in Medicare Parts A and B.

  • Initial Enrollment Period (AEP): This is the 7-month period when you can first apply for Medicare. It starts 3 months before you turn 65 and ends 3 months after your 65th birthday month.

  • You can apply for Medicare online, by phone, or in person at a Social Security office.

Apply Online

​The easiest way to apply for Medicare is online. Here's how:

  • Visit Social Security’s Medicare Page: Apply for Medicare Online

  • Create an Account: You’ll need a Social Security account to start your application.

  • Complete the Application: Follow the instructions to apply for Medicare. It usually takes less than 10 minutes.

If you also need to apply for Social Security retirement benefits, you can do so simultaneously at:Social Security Retirement Benefits.

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  • Call Social Security: 1-800-772-1213 (TTY users: 1-800-325-0778)

  • Request an Appointment: If needed, you can schedule a call to apply with a Social Security representative.

  • Receive and Complete Forms: You might be sent forms to complete and return, which can add some time to the process.

To Apply Over the Phone

​For Railroad Retirement benefits, contact the U.S. Railroad Retirement Board at 1-877-772-5772.

Applying in Person

​You can also apply in person at your local Social Security office:

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  • Find Your Local Office: Visit the Social Security Office Locator to locate an office near you.

  • Schedule an Appointment: It’s a good idea to make an appointment to avoid long wait times.

  • Bring Necessary Documents: Bring your identification, Social Security number, and any documents related to your work history or current insurance coverage.

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Common Questions When Applying to Medicare

What is Medicare? 

​Medicare is a federal health insurance program for people 65 and older and certain younger individuals with disabilities. It includes four parts: A (Hospital Insurance), B (Medical Insurance), C (Medicare Advantage), and D (Prescription Drug Coverage).

When Will I Receive My Medicare Card

​If you are automatically enrolled (due to receiving Social Security benefits), your card should arrive about 2 months before you turn 65. If you apply yourself, expect to receive your card about 3 weeks after your application is processed.

Do I Automatically Get Medicare When Turning 65?

​Not always. You will be automatically enrolled if you are receiving Social Security benefits at least 4 months before your 65th birthday. Otherwise, you need to apply yourself.

When is the Medicare Open Enrollment Period?

​Your open enrollment period is your Initial Enrollment Period (IEP), which is 7 months long: 3 months before, the month of, and 3 months after your 65th birthday month. This is different from the Annual Election Period (AEP) for Part D plans.

We Can Help

​Applying for Medicare can be complex, but you don’t have to navigate it alone. We offer free assistance to guide you through the process and help you choose the right Medicare plans for your needs. Contact eCare Insurance for personalized support with your Medicare application and supplemental insurance options.

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