How Do I Enroll in Medicare?

How Do I Enroll in Medicare? (A Simple Guide for When You’re Turning 65)

Turning 65 is a milestone. It marks the time when you become eligible for Medicare, and for a lot of people, that brings up one big question:

How do I actually enroll?

The good news? It’s probably easier than you think. But there are a few important things to know to make sure you don’t miss a step or a deadline. So let’s walk through the process together.

Step 1: Know When to Enroll

You have a seven-month window to enroll in Medicare — it starts three months before the month you turn 65, includes your birthday month, and continues for three months after.

So, for example, if your birthday is in August, your enrollment window runs from May 1 to November 30.

Enrolling during this time helps you avoid late penalties and ensures your coverage starts on time.

Step 2: Decide if You Need to Enroll Yet

If you’re already receiving Social Security, you’ll be automatically enrolled in Medicare Part A (hospital insurance) and Part B (medical insurance). You’ll get your Medicare card in the mail about three months before your 65th birthday.

But if you’re not receiving Social Security benefits yet, you’ll need to enroll yourself.

Also, if you're still working and have employer coverage, or you're covered under a spouse's plan, you may not need to enroll in Part B right away — but it's important to understand the rules so you don’t face penalties later.

Step 3: Enroll Online or By Phone

If you do need to enroll, the easiest way is online through the Social Security website at: www.ssa.gov/medicare

It usually takes about 10 to 15 minutes.

You can also call Social Security at 1-800-772-1213 or visit your local Social Security office.

When you enroll, you’re signing up for Original Medicare, which includes Part A and Part B.

From there, you can explore additional coverage options, like:

• A Medicare Advantage Plan (Part C)

• A Medicare Supplement (Medigap) policy

• A Part D Prescription Drug Plan

This is where things can get more customized based on your prescriptions, travel plans, and budget — and where working with a Medicare insurance specialist can really help.

A Final Thought

Medicare isn’t one-size-fits-all. Everyone’s situation is a little different, and getting the right plan in place can make a big difference in both your coverage and your costs.

If you’re turning 65 soon, let’s make sure you’re set up with confidence and clarity. Our team specializes in helping folks just like you navigate the Medicare maze, ask the right questions, and avoid common (and costly) mistakes.

Have questions? Ready to get started? We’re here for that.