TURNING 65?

You Need To Know About Medicare Open Enrollment Period

I’m Turning 65, What Do I Need to Do for Medicare Enrollment?

When you reach the age of 65, you might find yourself eagerly anticipating various new aspects in life: experiencing the joys of being a grandparent, transitioning from work to retirement, or embarking on a long-awaited vacation that has been etched in your dreams for years. Additionally, turning 65 can hold immense significance as it marks your eligibility for the diverse range of Medicare coverage options available. Medicare, a government-sponsored health insurance program, caters to individuals aged 65 and above, as well as certain individuals under 65 who meet specific disability criteria. Specifically, Medicare provides two fundamental components: Part A, which covers hospital insurance, and Part B, which offers medical insurance. These two components, collectively known as Original Medicare, ensure comprehensive healthcare coverage for eligible beneficiaries.

Do I need to sign up for Medicare when I turn 65?

When you turn 65, your Initial Medicare Enrollment Period, or IEP, begins. This period runs for seven months starting three months before your 65th birthday. IEP ends three months after the month that you turn 65. You’ll want to be on top of this deadline to avoid monthly late enrollment penalties. You may be automatically enrolled in Medicare coverage options when you become eligible. Learn the difference between signing up for Medicare coverage options automatically and manually.

Signing up for Medicare automatically

You may be automatically enrolled in Medicare coverage if you:

Are already getting retirement benefits from the Social Security Administration

Are already getting retirements from the Railroad Retirement Board

If you are signed up for Medicare coverage automatically, your Medicare card will be mailed to you three months before your 65th birthday. Your Medicare coverage benefits will start on the first day of the month you turn 65. If your birthday is the first of the month, your benefits will start on the first day of the previous month.

You can be sure that your address is updated for Medicare by going to your My Social Security account online.

Signing up for Medicare manually – How to enroll

If you don’t get Medicare automatically, you can manually sign up for Medicare.

If you don’t get Medicare automatically, you can manually sign up for Medicare.

Call Social Security at 1-800-772-1213, Monday through Friday, from 7AM to 7PM. TTY users can call 1-800-325-0778.

Apply in person at your local Social Security office.

If you worked for a railroad, you can apply for Medicare through the Railroad Retirement Board at 1-877-772-5772, Monday through Friday, from 9AM to 3:30PM. TTY users can dial 1-312-751-4701.

I'm Turning 65 - But I'm Still Working

If you don’t get Medicare automatically, you can manually sign up for Medicare.

If you het your health insurance through you or your spouse’s current employer, then you may decide to postpone signing up for Part B or additional Medicare coverage options while you’re still working and covered. You can wait to sign up until you or your spouse stops working, or in the event you lose your health insurance.

If you are self-employed, then you will need to know if you have employer group health plan coverage. If you do not, then you will need to sign up for Medicare coverage options once you reach the age of 65 in order to avoid late enrollment penalties.

If you have COBRA coverage, you’ll need to sign up for Medicare coverage when you turn 65 to avoid any gaps in coverage. If you have COBRA prior to signing up for Medicare coverage, your COBRA coverage is likely to end once you sign up.

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