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Applying For Medicare Part A and Part B

The process for applying for Medicare can be confusing because it isn’t the same for everyone. Some people will be automatically enrolled, while others have to actively sign up for Medicare Part A and Part B. To make it even more stressful, there are penalties involved if you make a mistake! Lets break it down…

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Already Receiving Social Security

If you are already receiving Social Security benefits, your enrollment in Part B is going to be automatic. You should expect your Medicare card in the mail roughly 3 months before your 65th birthday. If you haven’t received yours by that time, we recommend calling to double check that it is being sent to the correct address.

Not Receiving Social Security Yet

For those people not yet receiving Social Security benefits, use one of the following methods:
(ranked in order of our preference)
  • Enroll online at www.ssa.gov/benefits/medicare
    • Click on “Apply For Medicare Only”
    • Click “Start a New Application”
    • Fill out all of your information and click submit.
    • Here is a checklist of the information you will need
      • https://www.ssa.gov/hlp/isba/10/isba-checklist.pdf
  • Call Social Security at (800) 772-1213 to schedule your in-person appointment.
  • Go in-person without an appointment to your nearest Social Security office. At many locations if you arrive before they open, you’ll be able to get in without an appointment. This is recommended only as a last resort.

IMPORTANT: Get Your Application Summary

Always ask for an “Application Summary” to prove your Medicare Number and effective dates. This is a confirmation that the kind folks at Social Security did their jobs correctly.

Next Steps:

Once you enroll in your Medicare Part A and B, you can then begin the process of enrolling in your Part D Drug Plan and either a Medicare Supplement Plan (Medigap) or Medicare Advantage Plan. Neither Social Security nor Medicare  is not able to assist you with this because they don’t have the proper licensing and certification.

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Medicare sure can be confusing, huh? We made a video that goes through Medicare step-by-step. This is the easiest way to learn. Check it out!