How Do I Sign Up For Medicare?

Most people become eligible for Medicare when they turn 65, and their Initial Enrollment Period begins three months before their 65th birthday, includes their birthday month, and continues for three months after. However, if you’re under 65 and have a qualifying disability, you may be eligible for Medicare after receiving Social Security Disability Insurance (SSDI) for 24 months. If you have ALS (Lou Gehrig’s disease), you automatically qualify for Medicare the same month your SSDI benefits begin. Those with End-Stage Renal Disease (ESRD) may also qualify, though different rules apply depending on treatment.

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If you miss your Initial Enrollment Period, you may need to wait for the General Enrollment Period (January 1 to March 31), which could result in late penalties. If you're still working and have employer coverage, you might qualify for a Special Enrollment Period when that coverage ends. Every situation is unique, and we’re here to help you understand your options and enroll at the right time—without the stress.

How Do I Enroll in Medicare?

You have a few different options for enrolling in Medicare Part A and Part B—each comes with its own benefits and things to watch out for:

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Automatic Enrollment: If you're turning 65 and already receiving Social Security or Railroad Retirement benefits, you’ll be automatically enrolled in Medicare Parts A and B.

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Pros: Enrolling in Original Medicare (Parts A & B) happens on it's own.

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Cons: You are still left with finding, understanding, and enrolling in additional options such as a Medicare Prescription Drug Plan, Medicare Advantage Plan,  or a Medicare Supplement Plan.

Online: You can enroll in Parts A and B, or Part A only, through the Social Security website - www.ssa.gov.

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Pros: You can avoid long wait times while enrolling from the comfort of your home.

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Cons: This is not ideal for those who aren't comfortable using technology, and if you make a mistake it could delay your coverage.

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In Person: You can schedule an appointment with your local Social Security office to enroll in person.

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Cons: Walk in's are no longer accepted and appointments can take up to 8 weeks due to most offices being understaffed.

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Over-the-Phone: You can call Social Security directly at 1-800-772-1213.

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Cons: Appointments can sometimes take up to 8 weeks to set. On top of that, hold times are often hours long. If you are disconnected then you could be waiting even longer.

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