Already Receiving Social Security? You’re Automatically Enrolled

If you’re already receiving Social Security retirement benefits, Medicare enrollment is automatic.

• You’ll be automatically enrolled in Part A (Hospital Insurance) and Part B (Medical Insurance)
• Your red, white, and blue Medicare card arrives about 2–3 months before your 65th birthday
• Coverage starts the first day of the month you turn 65 (or one month earlier if your birthday is on the 1st)

No action is needed — just watch your mailbox and review the card when it arrives.

Not Receiving Social Security Yet? Here’s What to Do

If you haven’t started collecting Social Security, you’ll need to enroll in Medicare yourself — and we can help.

📆 Step 1: Know Your Enrollment Window

You can enroll during your 7-month Initial Enrollment Period (IEP):

• 3 months before your 65th birthday
• The month you turn 65
• 3 months after
  

💻Step 2: Enroll in Medicare

Apply online at ssa.gov/medicare, or call 1-800-772-1213

📬Step 3: Watch for Your Card

Once enrolled, your Medicare card will show:

• Your Medicare number
• Part A and B coverage
• Effective dates

Still Working and Have Employer Insurance?

If you or your spouse are still working and covered by an employer plan, your Medicare decisions depend on your company’s size:

If Your Employer Has 20 or More Employees

• You can delay Part B without penalty
• Medicare becomes secondary to your employer plan
• You may still enroll in Part A (often premium-free)
  

If Your Employer Has Fewer Than 20 Employees

• Medicare becomes your primary insurance at 65\
• You should enroll in both Part A and B
  

🛑Remember: When your group coverage ends, you’ll have 8 months to sign up for Part B with no late penalty.

Need Prescription Drug or Supplemental Coverage?

💊 Once you’re enrolled in Medicare, consider:

• Part D Prescription Drug Plan
• A Medicare Advantage Plan (Part C) that includes drug coverage
• A Medicare Supplement (Medigap) policy to help with out-of pocket costs

We can walk you through the options — and help you choose the right combination for your needs and budget.