How to enroll in Medicare if you are turning 65

Your Medicare registration steps will differ based upon whether you are collecting retirement benefits if you put in your Initial Enrollment Period (IEP).

You ought not need to contact anybody, if you’re eligible for registration. You should get a package three weeks before your policy begins with your Medicare card. There will be a letter describing how Medicare works and that you were enrolled in both Parts A and B. If you receive Social Security retirement benefits, your bundle and card will probably come in the Social Security Administration (SSA). Should you receive Railroad Retirement benefits, your card and package will come in the Railroad Retirement Board.

Ordinarily, you shouldn’t turn down Section B if you don’t have insurance according to your spouse’s latest job (job-based insurance policy ). If you don’t have job-based insurance and you turn down Section B, you might incur a premium penalty should you have to register for Medicare coverage later on. Furthermore, if your own job-based insurance will cover secondary once you become eligible for Medicare, you need to think about enrolling in Medicare to be able to get primary policy and pay for your own care.

If you’re 65 but aren’t receiving Social Security retirement benefits or Railroad Retirement benefits, you’ll have to enroll in Medicare.

Enrolling for Medicare

Follow the steps below in the event that you want to enroll in Medicare.

If you’re entitled to Railroad Retirement benefits, enroll in Medicare by phoning the Railroad Retirement Board (RRB) or calling your regional RRB field office.

Keep evidence of if you attempted to register in Medicare, to guard yourself if your program is missing.

• Take down the names of some agents you talk to, together with the date and time of this conversation.
• Should you register through the email, use certified mail and request a return receipt.
• Should you register in the regional Social Security office, then request a written quote.
• Should you apply online, print out and save your verification page.