Your Medicare Part A will start automatically the first of the month that you turn 65 as long as you’ve paid into Medicare for at least 40 quarters or 10 years. You may also qualify through a spouses benefits.
You may apply for Medicare Part B up to 3 months before, the month of, and 3 months after the month of your 65th birth date. This is your initial enrollment period.
If you wait longer than 3 months after the month you turn 65 you will have to apply durning your General Enrollment Period. This period starts January 1st and lasts until March 31st. Your coverage would then start July 1st.
In the case that you are still working and wait until after 65 to get on Medicare because you have insurance through work you may sign up any time as long as you have a plan with “creditable coverage” and are leaving that employer plan or retirement plan. Your coverage would start the 1st of the month after your current plan ends.
There are situations not listed here where different rules apply. It is best that you talk to a Medicare Health Plan Specialist or an independent Medicare health insurance agent when you are nearing 65. We provide this help for free and guide you in the right direction. We help with Medicare supplement plans, Medicare advantage plans, and more!
For FREE help visit one of the below websites
Or call 1-800-663-5707 to speak to a personal agent!
Turning 65 Medicare – What to do
Turning 65 Medicare Plans 