How To Enroll in Medicare

Enrolling in Medicare is easier than you might think — but it’s important to know when and how to do it to avoid delays or penalties.

Automatic Enrollment

If you’re already receiving Social Security or Railroad Retirement benefits when you turn 65, you’ll be automatically enrolled in Medicare Parts A and B. Your Medicare card should arrive about 3 months before your 65th birthday.

🔗 Automatic enrollment details – Medicare.gov

Manual Enrollment

If you’re not receiving Social Security yet, you’ll need to enroll yourself during your Initial Enrollment Period (IEP).

• Apply online at the Social Security website
• Or call Social Security at 1‑800‑772‑1213
• Or visit your local Social Security office 🔗 Find your nearest office

For Medicare Advantage (Part C) or Part D drug plans, we can help explain your options and guide you toward the plan that best fits your personal needs.

🔗 Explore your Medicare coverage options – Medicare.gov

Important Deadlines

Your IEP lasts 7 months: 3 months before your 65th birthday, your birthday month, and 3 months after. Enrolling on time helps you avoid late penalties and ensures your coverage starts when you need it.

Need help?

Tap “Contact Us” or “Virtual Appointment” to speak with a licensed Medicare agent. We’ll help you understand your enrollment window and guide you step-by-step.

This content is educational and not affiliated with the U.S. government or CMS.