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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…
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.
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.
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.