Now that you understand the basics of Medicare, let’s discuss the different eligibility periods when you can enroll.
Initial Enrollment Period
- For most people turning 65, your first enrollment period for Medicare is called the Initial Enrollment Period.
- The Initial Enrollment Period is the 7-month period around your 65th birthday that begins 3 months before the month you turn 65, includes the month you turn 65 and ends 3 months after the month you turn 65.
How to Enroll
Depending on your current situation, you may be automatically enrolled in Medicare.
- For example, if you are turning 65 and have been receiving Social Security payments for at least 4 months prior to being eligible for Medicare. In this case, you will be automatically enrolled in Part A and B starting the first day of the month you turn 65.
- If your birthday lands on the first day of the month, then coverage will start the first day of the prior month.
- You should also receive your red, white, and blue Medicare card in the mail 3 months before your 65th birthday.
- If you are turning 65 and not receiving Social Security and are also not still working, you will need to proactively sign up for Medicare during your Initial Enrollment Period by contacting the Social Security Administration. This includes anyone who has not been receiving Social Security for at least 4 months prior to being eligible for Medicare.
- If you are under 65 and have a disability, you will typically be enrolled in Part A and B automatically after you have received disability benefits from Social Security Disability Income for 24 months.
