Enrolling in Medicare in your 60s

If you begin receiving Social Security retirement benefits between age 62 and up to 4 months before turning 65, you will be automatically enrolled in Medicare Part A and Part B when you turn 65.

You can use your Medicare Part A & B information to enroll in a supplemental plan.

If you have worked at least 40 Calendar Quarters (about 10 years), you will automatically be enrolled into premium free Part A, and will receive your Medicare Part A Card 3 months prior to turning 65.

You then need to enroll separately into Part B. You can then use your Medicare Part A & B information to enroll in a supplemental plan.

If you apply for Social Security 3 months before you turn 65 or later, you can sign up for Medicare when you apply for Social Security.

The Initial Enrollment Period to sign up for Medicare begins 3 months before you turn 65 and ends 3 months after the month you turn 65–a total of 7 months. You may have to pay a penalty if you miss your Initial Enrollment Period.