How to Sign Up for Medicare

About to turn 65? Congrats! That means it’s time to start thinking about Medicare. Getting it right is important to avoid penalties and hassle in the future. There are several different options to consider when signing up for Medicare, and there is no one size fits all plan.

We break down the frequently asked questions to help you make the most informed decisions as you begin your Medicare journey.

What is Medicare?

Medicare is a government-run health insurance program for United States citizens (plus permanent residents with more than five years of continuous residency) who are age 65 and older or people with a disability who are any age.

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What does Medicare cover?

Original Medicare covers 80% of the cost of Medicare-covered services through Medicare Parts A & B.

Part A covers Medicare inpatient care, including care received while in a hospital, a skilled nursing facility, and, in limited circumstances, at home. Part B is part of Original Medicare and covers medical services and supplies that are medically necessary to treat your health condition. This includes outpatient care, preventive services, ambulance services, and durable medical equipment.

If Medicare covers 80%, how do I cover the remaining 20%?

There are two options Medicare-eligible individuals can choose to get their Medicare coverage.

1. Medicare Supplement: also known as Medigap, covers the 20% of the expense for Parts A & B not covered by Original Medicare. It doesn’t cover prescription drug costs (Part D) or any extra benefits, so you will also need a Prescription Drug Plan (Part D). There are several different levels of Medicare Supplement coverage, depending on your needs and budget.
2. Medicare Advantage: (also known as Medicare Part C) coverage is administered by private insurance companies contracted with Medicare. Medicare Advantage covers everything that Original Medicare (parts A and B) covers and may cover extra benefits as well, such as prescription drugs, dental, vision, and hearing care

When can I apply for Medicare?

If you already receive Social Security benefits, you will automatically be enrolled in Medicare Parts A & B the month you turn 65. Otherwise, your Initial Enrollment Period begins three months before your birth month and ends three months after your birth month the year you turn 65. You may be subject to penalties (increased premiums) if you fail to sign up for Medicare during this period. Learn more about Medicare and turning 65 with our helpful guide.

How do I enroll in Original Medicare (Parts A & B)?

As mentioned above, you will automatically be signed up for Medicare Part A & B the month you turn 65. If you apply for Medicare at 65, you have several options through the Social Security Administration.

• Online at ssa.gov.
• Call Social Security at 1-800-772-1213. TTY users can call 1-800-325-0778.
• In-person at your local SSA office.

How do I purchase a Medicare Supplement plan or a Medicare Advantage plan?