How Do You Enroll in Medicare?

Figuring out Medicare can be confusing. Maybe you’ve been searching online for “how do you enroll in Medicare?” This page will answer that question and link you to other resources to help you learn more about your Medicare options.

Some people may be automatically enrolled in Medicare while others will need to enroll by applying through the Social Security Office. The sections below explain these two scenarios.

Scenarios for Automatic Enrollment in Medicare

Most people who are enrolled automatically are typically:

  • Already getting benefits from Social Security or Railroad Retirement Board (RRB)
  • Under 65 and have a disability (including individuals with ALS)
  • Live in Puerto Rico and get benefits from Social Security or the RRB

Scenarios Where You Are Required to Apply for Medicare Enrollment

Individuals who are not enrolled automatically and need to enroll in Medicare are typically:

  • Not getting Social Security or Railroad Retirement benefits
  • Eligible due to End-Stage Renal Disease (ESRD)
  • Live in Puerto Rico and want Part B (you automatically get Part A). You must already have Part A to apply for Part B

Medicare Enrollment Periods

Most people who are enrolled automatically are typically:

  • If you didn’t sign up for Medicare when you were first eligible, and you aren’t eligible for a special enrollment period (See below), then you can only sign up between January 1st-March 31st each year (late enrollment penalties may apply). Your coverage will begin on July 1st.
  • If you’re covered under a group health plan based on current employment, you have a Special Enrollment Period to sign up for Part A and/or Part B any time as long as you or your spouse (or family member if you’re disabled) is working, and you’re covered by a group health plan through the employer or union based on that work.
  • You also have an 8-month Special Enrollment Period to sign up for Part A and/or Part B that starts the month after the employment ends or the group health plan insurance based on current employment ends, whichever happens first. Usually, you don’t pay a late enrollment penalty if you sign up during a Special Enrollment Period.

To shed some additional light on the subject, we’ve assembled these complimentary resources to provide original Medicare information to seniors. These resources will help you understand what original Medicare offers and give you an idea of what Medigap or Medicare Advantage options you may want to consider.

Ready to Talk to an Advisor?

At Senior HealthCare Solutions, we take the time to assess your situation and review all plans to see which will be the best fit for you. To compare Medicare Supplement Quotes and find the best Medicare Supplement Plan in your area, call us today by dialing 1-866-MEDIGAP (633-4427) or complete our Contact Form and one of our licensed advisers will be in touch.