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If you are new to Medicare, read on to learn more about how it works.

Are you new to Medicare?

When new to Medicare typically around age 65 you can apply for Medicare 3 months the month you turn 65, the month of, and up to 3 months after.

Already collect Social Security?

If you are already collecting Social Security you will be automatically enrolled in Parts A & B. You have the option to decline part B. Be aware if you decline Part B and don’t have other insurance such as an employer plan and choose to pick it up later Medicare may charge more per month for Part B with a penalty.

Not yet collecting Social Security?

If you aren’t collecting Social Security you need to apply for Medicare through Social Security to get it which can be done online, over the phone, or at your local Social Security office. You need to have Parts A & B of Medicare in order to enroll in any Medicare Advantage or Medicare Supplement Plan.

Still working?

If you are still working and plan on keeping your or your spouse’s employer plan you probably won’t need to have Part B which is $170.10 a month for most people. Many people take Part A only when still working because it’s free and nice to have and makes applying for Part B later on down the road when they need it easier. Once you have enrolled in Medicare and have a Medicare card and number is when you can enroll in a Medicare plan with an insurance company. Be aware if you don’t enroll in Part D when first eligible for Medicare and you don’t have creditable drug coverage through an employer plan (drug coverage that pays at least as much as Medicare Part D) Medicare may penalize and charge you more per month when you enroll in a Part D plan later on.

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