Most people can get Medicare when they turn 65. How you sign up depends on whether you're already getting retirement benefits or not.
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If you're already getting Social Security or Railroad Retirement benefits, you'll automatically get both parts of Medicare (Part A and Part B). You don't need to do anything. They'll send you a package and a Medicare card.
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If you're not getting these benefits, you have to enroll in Medicare. You can do this by visiting a Social Security office, calling them, sending a letter, or applying online.
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If you have insurance through your job or your spouse's job, you might not want to turn down Part B of Medicare. If you do, you could pay more later. If your job insurance pays after you get Medicare, it might be a good idea to enroll in Medicare first to save on healthcare costs.
Remember to keep records when you apply for Medicare, like:
- Write down the names, dates, and times of the people you talk to.
- Use certified mail if you apply by mail and ask for a receipt.
- If you apply online, save the confirmation page.
This way, you're protected if there are any issues with your application.
Last Reviewed: October 26, 2023