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How to enroll in Part A and Part B

Signing up for Medicare is an important step to ensuring you have the right coverage at the right time. Here are some things to consider as you approach age 65 or plan for retirement.

  • When To Sign Up

If you're already receiving Social Security payments, you will automatically be enrolled in Medicare Parts A and B starting the month you turn 65.

If you need to delay, you'll have to send your Medicare card back declining Part B coverage.

If you aren't receiving Social Security, you will need to sign up for coverage and can start the process three months prior to your 65th birthday during your IEP.

  • Can I Delay Enrolling?

Many people delay enrolling at age 65 because they are still working and covered under group insurance. However, if your employer has fewer than 20 employees and you continue working, you may be required to sign up for Medicare. Check with your benefits administrator to see what their requirements are for individuals that are eligible for Medicare, this could help you avoid potential benefit interruptions

  • Where to Enroll

You can enroll in person, over the phone, or online through the Social Security Administration.

Visit a local office, call l-800-772-7273, or online at