Need help with your choices?

Medicare isn't one size fits all. Your enrollment decisions depend on your personal situation.

Answer three quick questions, and we can help you:

  • Determine your best time to sign up.
  • Learn how Medicare works with your other health coverage.
  • Decide between original Medicare and Medicare Advantage.

You can enroll in Medicare only during certain times.​

The first time is called your initial enrollment ​period.

Your seven-month initial enrollment period typically starts three months before the month you turn 65 and ends three months after.

If you miss that deadline, you may end up paying more.​

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Since you aren’t working or covered through a spouse’s employer plan, sign up for Medicare during your seven-month initial enrollment period. Retiree insurance generally isn’t first in line to pay your medical bills.

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare within those seven months. If you miss your enrollment deadline, you may end up paying higher premiums.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you aren’t working or covered through a spouse’s employer plan, enroll in Medicare during your seven-month initial enrollment period. Many people end their coverage from the marketplace when they sign up for Medicare because they are no longer eligible for subsidies to help reduce their premiums.

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security benefits, sign up for parts A and B of Medicare within those seven months to avoid penalties.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you aren’t working or covered through a spouse’s employer plan, sign up for Medicare during your seven-month initial enrollment period. If you become eligible for Medicare after you’ve signed up for COBRA, your COBRA benefits cease, no matter how many months of COBRA coverage you were offered.

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare within those seven months to avoid coverage gaps and higher premiums.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

You’ll be able to get coverage from Medicare when you turn 65.

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare during your seven-month initial enrollment period. If you miss that deadline, you may end up paying higher premiums.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have delays in coverage or face penalties.

If you only have retiree coverage, you should usually sign up for Medicare during your seven-month initial enrollment period because retiree insurance generally isn't first in line to pay your medical bills. (Retired federal employees have special rules.) If you get health insurance at your present job, you may not need to sign up for Medicare yet, even though you’ll be eligible at age 65. It depends on the size of your employer.

If you work for a company with 20 or more employees and are covered by your employer, you can continue with your job-based health insurance. You may want to sign up for Part A because it’s generally free, but you may opt not to sign up for Part B to avoid paying the monthly premiums. If you do delay, it’s important to sign up for Part B before or within eight months of leaving your job and losing your coverage as an active employee to avoid a late-enrollment penalty.

If you get your insurance through a company with fewer than 20 employees, Medicare usually begins to pay its part of insurance claims when you turn 65, and the employer coverage becomes secondary. So sign up for Medicare during your seven-month initial enrollment period to avoid coverage gaps and penalties.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, sign up for Medicare during your seven-month initial enrollment period to avoid coverage gaps and penalties. Many people end their coverage from the marketplace when they sign up for Medicare because they are no longer eligible for subsidies to help reduce their premiums.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security benefits, sign up for parts A and B of Medicare within those seven months.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you’re working but have health insurance from a former employer through COBRA, sign up for Medicare during your seven-month initial enrollment period. If you become eligible for Medicare after you’ve signed up for COBRA, your COBRA benefits cease, no matter how many months of COBRA coverage you were offered.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare within those seven months to avoid coverage gaps and higher premiums.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance, sign up for Medicare during your seven-month initial enrollment period to avoid delays in coverage and penalties.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare within those seven months to avoid higher premiums.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have delays in coverage or face penalties.

If you only have retiree coverage, you should usually sign up for Medicare during your seven-month initial enrollment period because retiree insurance generally isn't first in line to pay your medical bills. (Retired federal employees have special rules.) If you get health insurance at your present job, you may not need to sign up for Medicare yet, even though you’ll be eligible at age 65. It depends on the size of your employer.

If you work for a company with 20 or more employees and are covered by your employer, you can continue with your job-based health insurance. You may want to sign up for Part A because it’s generally free, but you may opt not to sign up for Part B to avoid paying the monthly premiums. If you do delay, it’s important to sign up for Part B before or within eight months of leaving your job and losing your coverage as an active employee to avoid a late-enrollment penalty.

If you get your insurance through a company with fewer than 20 employees, Medicare usually begins to pay its part of insurance claims when you turn 65, and the employer coverage becomes secondary. So sign up for Medicare during your seven-month initial enrollment period to avoid coverage gaps and penalties.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, enroll in Medicare during your seven-month initial enrollment period, regardless of when you retire, to avoid coverage gaps and penalties. Many people end their coverage from the marketplace when they sign up for Medicare because they are no longer eligible for subsidies to help reduce their premiums.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security benefits, sign up for parts A and B of Medicare within those seven months.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you’re working but have health insurance from a former employer through COBRA, sign up for Medicare during your seven-month initial enrollment period. If you become eligible for Medicare after you’ve signed up for COBRA, your COBRA benefits cease, no matter how many months of COBRA coverage you were offered.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare within those seven months to avoid coverage gaps and higher premiums.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance, sign up for Medicare during your seven-month initial enrollment period to avoid delays in coverage and penalties.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare within those seven months.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have delays in coverage or face penalties.

Since you aren’t working or covered through a spouse’s employer plan, enroll in Medicare now because retiree insurance generally isn’t first in line to pay your medical bills.

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare. If you miss your enrollment deadline, you may end up paying higher premiums.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you aren’t working or covered through a spouse’s employer plan, enroll in Medicare now to avoid any penalties. Many people end their coverage from the marketplace when they sign up for Medicare because they are no longer eligible for subsidies to help reduce their premiums.

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security benefits, sign up for parts A and B of Medicare now to avoid penalties.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you aren’t working or covered through a spouse’s employer plan, enroll in Medicare now. If you become eligible for Medicare after you’ve signed up for COBRA, your COBRA benefits cease, no matter how many months of COBRA coverage you were offered.

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare now to avoid coverage gaps and higher premiums.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

You’ll be able to get coverage through Medicare at age 65.

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare now. If you miss your initial enrollment period, you may end up paying higher premiums.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have delays in coverage or face penalties.

If you only have retiree coverage, you should probably sign up for Medicare now because retiree insurance generally isn't first in line to pay your medical bills. (Retired federal employees have special rules.) If you get health insurance at your present job, you may not need to sign up for Medicare yet, even though you’re eligible at age 65. It depends on the size of your employer.

If you work for a company with 20 or more employees and are covered by your employer, you can continue with your job-based health insurance. You may want to sign up for Part A because it’s generally free, but you may opt not to sign up for Part B to avoid paying the monthly premiums. If you do delay, it’s important to sign up for Part B before or within eight months of leaving your job and losing your coverage as an active employee to avoid a late-enrollment penalty.

If you get your insurance through a company with fewer than 20 employees, Medicare usually begins to pay its part of insurance claims when you turn 65, and the employer coverage becomes secondary. So sign up for Medicare now to avoid coverage gaps and penalties.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, enroll in Medicare now to avoid coverage gaps and penalties. Many people end their coverage from the marketplace when they sign up for Medicare because they are no longer eligible for subsidies to help reduce their premiums.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security benefits, sign up for parts A and B of Medicare now.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you’re working but have health insurance from a former employer through COBRA, enroll in Medicare now. If you become eligible for Medicare after you’ve signed up for COBRA, your COBRA benefits cease, no matter how many months of COBRA coverage you were offered.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare now to avoid coverage gaps and higher premiums.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance, enroll in Medicare now to avoid delays in coverage and penalties.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare now to avoid higher premiums.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have delays in coverage or face penalties.

If you only have retiree coverage, you should probably sign up for Medicare now because retiree insurance generally isn't first in line to pay your medical bills. (Retired federal employees have special rules.) If you get health insurance at your present job, you may not need to sign up for Medicare yet, even though you’ll be eligible at age 65. It depends on the size of your employer.

If you work for a company with 20 or more employees and are covered by your employer, you can continue with your job-based health insurance. You may want to sign up for Part A because it’s generally free, but you may opt not to sign up for Part B to avoid paying the monthly premiums. If you do delay, it’s important to sign up for Part B before or within eight months of leaving your job and losing your coverage as an active employee to avoid a late-enrollment penalty.

If you get your insurance through a company with fewer than 20 employees, Medicare usually begins to pay its part of insurance claims when you turn 65, and the employer coverage becomes secondary. So sign up for Medicare now to avoid coverage gaps and penalties.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, sign up for Medicare now, regardless of when you retire, to avoid coverage gaps and penalties. Many people end their coverage from the marketplace when they sign up for Medicare because they are no longer eligible for subsidies to help reduce their premiums.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security benefits, sign up for parts A and B of Medicare now.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you’re working but have health insurance from a former employer through COBRA, enroll in Medicare now. If you become eligible for Medicare after you’ve signed up for COBRA, your COBRA benefits cease, no matter how many months of COBRA coverage you were offered.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare now to avoid coverage gaps and higher premiums.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance, enroll in Medicare now to avoid delays in coverage and penalties.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare now.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have delays in coverage or face penalties.

Since you aren’t working or covered through a spouse’s employer plan, sign up for Medicare during your seven-month initial enrollment period. Many people end their coverage from the marketplace when they sign up for Medicare because they are no longer eligible for subsidies to help reduce their premiums.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare during your seven-month initial enrollment period. If you miss your enrollment deadline, you may end up paying higher premiums.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance, sign up for Medicare during your seven-month initial enrollment period to avoid delays in coverage and penalties.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare within those seven months.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have delays in coverage or face penalties.

Since you aren’t working or covered by a spouse’s employer plan, sign up for Medicare now. Many people end their coverage from the marketplace when they sign up for Medicare because they are no longer eligible for subsidies to help reduce their premiums. 

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare now. If you miss your enrollment deadline, you may end up paying higher premiums.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance, sign up for Medicare now to avoid delays in coverage and  penalties.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare now.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have delays in coverage or face penalties.

Questions to consider

1. Should I choose original Medicare or Medicare Advantage?​
2. Do I need to buy a Medigap policy?​
3. Do I need prescription drug coverage?​

 

Sign up for Medicare during your seven-month initial enrollment period to avoid any penalties. When you turn 65, Medicare becomes your primary coverage and Medicaid is secondary. In some states, you may no longer be eligible for Medicaid at age 65. If you’re eligible for both plans, Medicaid may help pay your Medicare out-of-pocket costs, such as premiums, deductibles and copayments.

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare within those seven months. For more information, contact your state Medicaid agency or your local State Health Insurance Assistance Program.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

To keep your Tricare coverage, sign up for parts A and B of Medicare during your seven-month initial enrollment period unless you’re among the small number of people who aren’t eligible for premium-free Part A. If you are eligible for Part A, you must get Part B to continue receiving Tricare benefits. If you have VA health care benefits, sign up for parts A and B within those seven months so you'll have coverage for non-VA doctors and hospitals. 

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare within your initial enrollment period to avoid higher premiums.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you aren’t working or covered through a spouse’s employer plan, sign up for Medicare during your seven-month initial enrollment period to avoid coverage gaps and a late-enrollment penalty.

However, there’s an exception for retired federal employees in the Federal Employees Health Benefits Program. If you don’t sign up for Medicare, you can continue to receive primary coverage through the federal retiree health plan after you turn 65, and you won’t face coverage gaps. But if you change your mind and decide to enroll in Medicare later, you may have to pay a late-enrollment penalty.

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you aren’t receiving Social Security, sign up for parts A and B of Medicare within those seven months to avoid higher premiums. Keep in mind that public sector workers who haven’t paid into Social Security for at least 40 quarters of work face special rules. Check with your employer.

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

You’ll be able to get coverage through Medicare when you turn 65.

Since you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you’re receiving Social Security Disability Insurance (SSDI) or Social Security retirement benefits, you’ll be enrolled automatically in Medicare when you turn 65. (Puerto Rico’s rules differ.) SSDI recipients younger than 65 typically qualify for Medicare after they’ve been eligible for disability benefits for 24 months. Your Medicare card will arrive by mail three months before your coverage begins.

The 24-month waiting period is waived for people with amyotrophic lateral sclerosis or end-stage renal disease. People with ALS automatically start Medicare the month their SSDI benefits begin.

You can apply for SSDI online, in person at your local Social Security office or by phone at 800-772-1213. To save time in what is usually a lengthy process, assemble all the documents you need beforehand.

If you have kidney failure and are younger than 65:

• Medicare coverage usually starts on the first day of the fourth month of your dialysis treatment. It can start earlier if you’re in a home dialysis training program and meet other conditions.

• You aren’t required to file for SSDI benefits to receive Medicare early, but you need to contact the Social Security Administration to start the Medicare application process. Your doctor or dialysis facility must provide documentation verifying you have ESRD.

Sign up for Medicare Part A and B during your seven-month initial enrollment period to avoid penalties if you aren’t receiving Social Security retirement or disability benefits. If your income is low, you may qualify for special programs that help you pay Medicare’s premiums and other medical costs.

You still have decisions to make on other parts of Medicare. We help guide you through the process, so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, sign up for Medicare during your seven-month initial enrollment period to avoid coverage gaps and penalties. When you turn 65, Medicare becomes your primary coverage and Medicaid is secondary. In some states, you may no longer be eligible for Medicaid at age 65. If you’re eligible for both plans, Medicaid may help pay your Medicare out-of-pocket costs, such as premiums, deductibles and copayments.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare within those seven months. For more information, contact your state Medicaid agency or your local State Health Insurance Assistance Program.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

To keep your Tricare coverage, sign up for parts A and B of Medicare during your seven-month initial enrollment period unless you’re among the small number of people who aren’t eligible for premium-free Part A. If you are eligible for Part A, you must get Part B to continue receiving Tricare benefits. There’s another exception: If you or your spouse still serve on active duty, you don’t have to enroll in Part B. However, you must enroll in Part B before the active-duty service member retires to avoid a break in coverage.

If you have VA health care benefits and no other coverage, sign up for parts A and B of Medicare within those seven months so you’ll have coverage for non-VA doctors and hospitals. However, if you work for a company with 20 or more employees and are covered through your employer, you can opt not to sign up for Part B to avoid paying the monthly premiums. If you do delay, it’s important to sign up for Part B before or within eight months of leaving your job and losing your coverage as an active employee to avoid a late-enrollment penalty.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you aren’t receiving Social Security, sign up for parts A and B of Medicare within your initial enrollment period to avoid higher premiums.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you don’t have health insurance through an employer plan, sign up for Medicare during your seven-month initial enrollment period to avoid coverage gaps and penalties.

However, there’s an exception for retired federal employees in the Federal Employees Health Benefits Program. If you don’t sign up for Medicare, you can continue to receive primary coverage through the federal retiree health plan after you turn 65, and you won’t face coverage gaps. But if you change your mind and decide to enroll in Medicare later, you may have to pay a late-enrollment penalty.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you aren’t receiving Social Security, sign up for parts A and B of Medicare during those seven months to avoid higher premiums. Keep in mind that public sector workers who haven’t paid into Social Security for at least 40 quarters of work face special rules. Check with your employer.

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you don’t have health insurance through an employer plan, then Medicare generally will become your primary source of coverage when you turn 65.

Since you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you’re receiving Social Security Disability Insurance (SSDI) benefits, you’ll be enrolled automatically in Medicare when you turn 65. (Puerto Rico’s rules differ.) SSDI recipients younger than 65 typically qualify for Medicare after they’ve been eligible for disability benefits for 24 months. Your Medicare card will arrive by mail three months before your coverage begins.

The 24-month waiting period is waived for people with amyotrophic lateral sclerosis or end-stage renal disease. People with ALS automatically start Medicare the month their SSDI benefits begin.

You can apply for SSDI online, in person at your local Social Security office or by phone at 800-772-1213.  To save time in what is usually a lengthy process, assemble all the documents you need beforehand.

If you have kidney failure and are younger than 65:

  • Medicare coverage usually starts on the first day of the fourth month of your dialysis treatment. It can start earlier if you’re in a home dialysis training program and meet other conditions.
  • You aren’t required to file for SSDI benefits to receive Medicare early, but you need to contact the Social Security Administration to start the Medicare application process. Your doctor or dialysis facility must provide documentation verifying you have ESRD.

If you aren’t receiving SSDI, sign up for Medicare Part A and B during your seven-month initial enrollment period to avoid penalties. If your income is low, you may qualify for special programs that help you pay Medicare’s premiums and other medical costs.

To avoid paying the monthly Part B premiums, you can opt not to sign up for Part B if you work for a company with 20 or more employees and have health insurance through your employer. If you delay, sign up for Part B before or within eight months of leaving your job and losing your coverage as an active employee to avoid a late enrollment penalty.

You still have decisions to make on other parts of Medicare. We help guide you through the process, so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, sign up for Medicare during your seven-month initial enrollment period to avoid coverage gaps and penalties. When you turn 65, Medicare becomes your primary coverage and Medicaid is secondary. In some states, you may no longer be eligible for Medicaid at age 65. If you’re eligible for both plans, Medicaid may help pay your Medicare out-of-pocket costs, such as premiums, deductibles and copayments.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare within those seven months. For more information, contact your state Medicaid agency or your local State Health Insurance Assistance Program.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

To keep your Tricare coverage, sign up for parts A and B of Medicare during your seven-month initial enrollment period unless you’re among the small number of people who aren’t eligible for premium-free Part A. If you are eligible for Part A, you must get Part B to continue receiving Tricare benefits. There’s another exception: If you or your spouse still serve on active duty, you don’t have to enroll in Part B. However, you must enroll in Part B before the active-duty service member retires to avoid a break in coverage.

If you have VA health care benefits and no other coverage, sign up for parts A and B of Medicare within those seven months so you’ll have coverage for non-VA doctors and hospitals.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you aren’t receiving Social Security, sign up for parts A and B of Medicare within your initial enrollment period to avoid higher premiums.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you don’t have health insurance through an employer plan, sign up for Medicare during your seven-month initial enrollment period to avoid coverage gaps and penalties.

However, there’s an exception for retired federal employees in the Federal Employees Health Benefits Program. If you don’t sign up for Medicare, you can continue to receive primary coverage through the federal retiree health plan after you turn 65, and you won’t face coverage gaps. But if you change your mind and decide to enroll in Medicare later, you may have to pay a late-enrollment penalty.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you aren’t receiving Social Security, sign up for parts A and B of Medicare within those seven months to avoid higher premiums. Keep in mind that public sector workers who haven’t paid into Social Security for at least 40 quarters of work face special rules. Check with your employer.

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you don’t have health insurance through an employer plan, sign up for Medicare during your seven-month initial enrollment period, regardless of when you retire, to avoid coverage gaps and penalties.

Since you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you’re receiving Social Security Disability Insurance (SSDI) benefits, you’ll be enrolled automatically in Medicare when you turn 65. (Puerto Rico’s rules differ.) SSDI recipients younger than 65 typically qualify for Medicare after they’ve been eligible for disability benefits for 24 months. Your Medicare card will arrive by mail three months before your coverage begins.

The 24-month waiting period is waived for people with amyotrophic lateral sclerosis or end-stage renal disease. People with ALS automatically start Medicare the month their SSDI benefits begin.

You can apply for SSDI online, in person at your local Social Security office or by phone at 800-772-1213. To save time in what is usually a lengthy process, assemble all the documents you need beforehand.

If you have kidney failure and are younger than 65:

  • Medicare coverage usually starts on the first day of the fourth month of your dialysis treatment. It can start earlier if you’re in a home dialysis training program and meet other conditions.
  • You aren’t required to file for SSDI benefits to receive Medicare early, but you need to contact the Social Security Administration to start the Medicare application process. Your doctor or dialysis facility must provide documentation verifying you have ESRD.

Sign up for Medicare Part A and B during your seven-month initial enrollment period to avoid penalties if you aren’t receiving Social Security retirement or disability benefits. If your income is low, you may be eligible for special programs that help you pay Medicare’s premiums and other medical costs.

To avoid paying the monthly Part B premiums, you can opt not to sign up for Part B if you work for a company with 20 or more employees and have health insurance through your employer. If you delay, sign up for Part B before or within eight months of leaving your job and losing your coverage as an active employee to avoid a late enrollment penalty.

You still have decisions to make on other parts of Medicare. We help guide you through the process, so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, sign up for Medicare within your seven-month initial enrollment period to avoid coverage gaps and penalties. When you turn 65, Medicare becomes your primary coverage and Medicaid is secondary. In some states, you may no longer be eligible for Medicaid at age 65. If you’re eligible for both plans, Medicaid may help pay your Medicare out-of-pocket costs, such as premiums, deductibles and copayments.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare within those seven months. For more information, contact your state Medicaid agency or your local State Health Insurance Assistance Program.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you don’t have health insurance through an employer plan, sign up for Medicare during your seven-month initial enrollment period to avoid coverage gaps and penalties.

However, there’s an exception for retired federal employees in the Federal Employees Health Benefits Program. If you don’t sign up for Medicare, you can continue to receive primary coverage through the federal retiree health plan after you turn 65, and you won’t face coverage gaps. But if you change your mind and decide to enroll in Medicare later, you may have to pay a late-enrollment penalty.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you aren’t receiving Social Security, sign up for parts A and B of Medicare within those seven months to avoid higher premiums. Keep in mind that public sector workers who haven’t paid into Social Security for at least 40 quarters of work face special rules. Check with your employer.

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you don’t have health insurance through an employer plan, sign up for Medicare during your seven-month initial enrollment period to avoid delays in coverage or penalties.

Since you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

To keep your Tricare coverage, sign up for parts A and B of Medicare during your seven-month initial enrollment period unless you’re among the small number of people who aren’t eligible for premium-free Part A. If you are eligible for Part A, you must get Part B to continue receiving Tricare benefits. There’s another exception: If you or your spouse still serve on active duty, you don’t have to enroll in Part B. However, you must enroll in Part B before the active-duty service member retires to avoid a break in coverage.

If you have VA health care benefits and no other coverage, sign up for parts A and B of Medicare within those seven months so you’ll have coverage for non-VA doctors and hospitals.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you aren’t receiving Social Security, sign up for parts A and B of Medicare within your initial enrollment period to avoid higher premiums.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you’re receiving Social Security Disability Insurance (SSDI) or Social Security retirement benefits, you’ll be enrolled automatically in Medicare when you turn 65. (Puerto Rico’s rules differ.) SSDI recipients younger than 65 typically qualify for Medicare after they’ve been eligible for disability benefits for 24 months. Your Medicare card will arrive by mail three months before your coverage begins.

The 24-month waiting period is waived for people with amyotrophic lateral sclerosis or end-stage renal disease. People with ALS automatically start Medicare the month their SSDI benefits begin.

You can apply for SSDI online, in person at your local Social Security office or by phone at 800-772-1213. To save time in what is usually a lengthy process, assemble all the documents you need beforehand.

If you have kidney failure and are younger than 65:

  • Medicare coverage usually starts on the first day of the fourth month of your dialysis treatment. It can start earlier if you’re in a home dialysis training program and meet other conditions.
  • You aren’t required to file for SSDI benefits to receive Medicare early, but you need to contact the Social Security Administration to start the Medicare application process. Your doctor or dialysis facility must provide documentation verifying you have ESRD.

Sign up for Medicare Part A and B during your seven-month initial enrollment period to avoid penalties if you aren’t receiving Social Security disability or retirement benefits. If your income is low, you may be eligible for special programs that help you pay Medicare’s premiums and other medical costs.

You still have decisions to make on other parts of Medicare. We help guide you through the process, so you won’t have gaps in coverage or face penalties.

Enroll in Medicare now to avoid any penalties. At age 65, Medicare becomes your primary coverage and Medicaid is secondary. In some states, you may no longer be eligible for Medicaid at age 65. If you’re eligible for both plans, Medicaid may help pay your Medicare out-of-pocket costs, such as premiums, deductibles and copayments.

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare now. For more information, contact your state Medicaid agency or your local State Health Insurance Assistance Program.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

To keep your Tricare coverage, sign up for parts A and B of Medicare now unless you’re among the small number of people who aren’t eligible for premium-free Part A. If you are eligible for Part A, you must get Part B to continue receiving Tricare benefits. If you have VA health care benefits, sign up for parts A and B now so you will have coverage for non-VA doctors and hospitals.

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare now to avoid higher premiums.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

You’ll be able to get coverage through Medicare at age 65.

Since you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

You still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you’re receiving Social Security Disability Insurance (SSDI) or Social Security retirement benefits, you’ll be enrolled automatically in Medicare when you turn 65. (Puerto Rico’s rules differ.) SSDI recipients younger than 65 typically qualify for Medicare after they’ve been eligible for disability benefits for 24 months. Your Medicare card will arrive by mail three months before your coverage begins.

The 24-month waiting period is waived for people with amyotrophic lateral sclerosis or end-stage renal disease. People with ALS automatically start Medicare the month their SSDI benefits begin.

Because you’re in your initial enrollment period, sign up for Medicare Part A and B now to avoid late penalties if you aren’t receiving Social Security retirement or disability benefits. If your income is low, you may qualify for special programs that help you pay Medicare’s premiums and other medical costs.

You still have decisions to make on other parts of Medicare. We help guide you through the process, so you won’t have gaps in coverage or face penalties.

Since you aren’t working or covered through a spouse’s employer plan, sign up for Medicare now to avoid coverage gaps and a late-enrollment penalty.

However, there’s an exception for retired federal employees in the Federal Employees Health Benefits Program. If you don’t sign up for Medicare, you can continue to receive primary coverage through the federal retiree health plan after you turn 65, and you won’t face coverage gaps. But if you change your mind and decide to enroll in Medicare later, you may have to pay a late-enrollment penalty.

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you aren’t receiving Social Security, sign up for parts A and B of Medicare now to avoid higher premiums. Keep in mind that public sector workers who haven’t paid into Social Security for at least 40 quarters of work face special rules. Check with your employer.

You still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

To keep your Tricare coverage, sign up for parts A and B of Medicare now unless you’re among the small number of people who aren’t eligible for premium-free Part A. If you are eligible for Part A, you must get Part B to continue receiving Tricare benefits. There’s another exception: If you or your spouse still serve on active duty, you don’t have to enroll in Part B. However, you must enroll in Part B before the active-duty service member retires to avoid a break in coverage.

If you have VA health care benefits and no other coverage, sign up for parts A and B of Medicare now so you’ll have coverage for non-VA doctors and hospitals.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you aren’t receiving Social Security, sign up for parts A and B of Medicare now to avoid higher premiums.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you don’t have health insurance through an employer plan, sign up for Medicare now to avoid coverage gaps and penalties.

However, there’s an exception for retired federal employees in the Federal Employees Health Benefits Program. If you don’t sign up for Medicare, you can continue to receive primary coverage through the federal retiree health plan after age 65, and you won’t face coverage gaps. But if you change your mind and decide to enroll in Medicare later, you may have to pay a late-enrollment penalty.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you aren’t receiving Social Security, sign up for parts A and B now to avoid higher premiums. Keep in mind that public sector workers who haven’t paid into Social Security for at least 40 quarters of work face special rules. Check with your employer.

You still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you don’t have health insurance through an employer plan, then Medicare generally becomes your primary source of coverage at age 65.

Since you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

You still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, sign up for Medicare now to avoid coverage gaps and penalties. At age 65, Medicare becomes your primary coverage and Medicaid is secondary. In some states, you may no longer be eligible for Medicaid at age 65. If you’re eligible for both plans, Medicaid may help pay your Medicare out-of-pocket costs, such as premiums, deductibles and copayments.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare now. For more information, contact your state Medicaid agency or your local State Health Insurance Assistance Program.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you’re receiving Social Security Disability Insurance (SSDI) benefits, you’ll be enrolled automatically in Medicare when you turn 65. (Puerto Rico’s rules differ.) SSDI recipients younger than 65 typically qualify for Medicare after they’ve been eligible for disability benefits for 24 months. Your Medicare card will arrive by mail three months before your coverage begins.

The 24-month waiting period is waived for people with amyotrophic lateral sclerosis or end-stage renal disease. People with ALS automatically start Medicare the month their SSDI benefits begin.

Because you’re in your initial enrollment period, sign up for Medicare Part A and B now to avoid late penalties. If your income is low, you may qualify for special programs that help you pay Medicare’s premiums and other medical costs.

To avoid paying the monthly Part B premiums, you can opt not to sign up for Part B if you work for a company with 20 or more employees and have health insurance through your employer. If you delay, sign up for Part B before or within eight months of leaving your job and losing your coverage as an active employee to avoid a late enrollment penalty.

You still have decisions to make on other parts of Medicare. We help guide you through the process, so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, sign up for Medicare now, regardless of when you retire, to avoid coverage gaps and penalties. At age 65, Medicare becomes your primary coverage and Medicaid is secondary. In some states, you may no longer be eligible for Medicaid at age 65. If you’re eligible for both plans, Medicaid may help pay your Medicare out-of-pocket costs, such as premiums, deductibles and copayments.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare now. For more information, contact your state Medicaid agency or your local State Health Insurance Assistance Program.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you don’t have health insurance through an employer plan, sign up for Medicare now, regardless of when you retire, to avoid coverage gaps and penalties.

However, there’s an exception for retired federal employees in the Federal Employees Health Benefits Program. If you don’t sign up for Medicare, you can continue to receive primary coverage through the federal retiree health plan after age 65, and you won’t face coverage gaps. But if you change your mind and decide to enroll in Medicare later, you may have to pay a late-enrollment penalty.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you aren’t receiving Social Security, sign up for parts A and B of Medicare now to avoid higher premiums. Keep in mind that public sector workers who haven’t paid into Social Security for at least 40 quarters of work face special rules. Check with your employer.

You still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

To keep your Tricare coverage, sign up for parts A and B of Medicare now unless you’re among the small number of people who aren’t eligible for premium-free Part A. If you are eligible for Part A, you must get Part B to continue receiving Tricare benefits. There’s another exception: If you or your spouse still serve on active duty, you don’t have to enroll in Part B. However, you must enroll in Part B before the active-duty service member retires to avoid a break in coverage.

If you have VA health care benefits and no other coverage, sign up for parts A and B of Medicare now so you’ll have coverage for non-VA doctors and hospitals.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you aren’t receiving Social Security, sign up for parts A and B of Medicare now to avoid higher premiums.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you don’t have health insurance through an employer plan, Medicare generally becomes your primary source of coverage at age 65, regardless of when you retire.

Since you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

You still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you’re receiving Social Security Disability Insurance (SSDI) benefits, you’ll be enrolled automatically in Medicare when you turn 65. (Puerto Rico’s rules differ.) SSDI recipients younger than 65 typically qualify for Medicare after they’ve been eligible for disability benefits for 24 months. Your Medicare card will arrive by mail three months before your coverage begins.

The 24-month waiting period is waived for people with amyotrophic lateral sclerosis or end-stage renal disease. People with ALS automatically start Medicare the month their SSDI benefits begin.

Because you’re in your initial enrollment period, sign up for Medicare Part A and B now to avoid penalties. If your income is low, you may qualify for special programs that help you pay Medicare’s premiums and other medical costs.

To avoid paying the monthly Part B premiums, you can opt not to sign up for Part B if you work for a company with 20 or more employees and have health insurance through your employer. If you delay, sign up for Part B before or within eight months of leaving your job and losing your coverage as an active employee to avoid a late enrollment penalty.

You still have decisions to make on other parts of Medicare. We help guide you through the process, so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, enroll in Medicare now to avoid coverage gaps and penalties. At age 65, Medicare becomes your primary coverage and Medicaid is secondary. In some states, you may no longer be eligible for Medicaid at age 65. If you’re eligible for both plans, Medicaid may help pay your Medicare out-of-pocket costs, such as premiums, deductibles and copayments.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

If you aren’t receiving Social Security, sign up for parts A and B of Medicare now. For more information, contact your state Medicaid agency or your local State Health Insurance Assistance Program.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

To keep your Tricare coverage, sign up for parts A and B of Medicare now unless you’re among the small number of people who aren’t eligible for premium-free Part A. If you are eligible for Part A, you must get Part B to continue receiving Tricare benefits. There’s another exception: If you or your spouse still serve on active duty, you don’t have to enroll in Part B. However, you must enroll in Part B before the active-duty service member retires to avoid a break in coverage.

If you have VA health care benefits and no other coverage, sign up for parts A and B of Medicare now so you’ll have coverage for non-VA doctors and hospitals.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you aren’t receiving Social Security, sign up for parts A and B of Medicare now to avoid higher premiums.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you don’t have health insurance through an employer plan, enroll in Medicare now to avoid coverage gaps and penalties.

However, there’s an exception for retired federal employees in the Federal Employees Health Benefits Program. If you don’t sign up for Medicare, you can continue to receive primary coverage through the federal retiree health plan after age 65, and you won’t face coverage gaps. But if you change your mind and decide to enroll in Medicare later, you may have to pay a late-enrollment penalty.

If you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you aren’t receiving Social Security, sign up for parts A and B now to avoid higher premiums. Keep in mind that public sector workers who haven’t paid into Social Security for at least 40 quarters of work face special rules. Check with your employer.

You still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you don’t have health insurance through an employer plan, Medicare generally becomes your primary source of coverage at age 65.

Since you’re already receiving Social Security benefits, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.)

You still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

If you’re receiving Social Security Disability Insurance (SSDI) or Social Security retirement benefits, you’ll be enrolled automatically in Medicare when you turn 65. (Puerto Rico’s rules differ.) SSDI recipients younger than 65 typically qualify for Medicare after they’ve been eligible for disability benefits for 24 months. Your Medicare card will arrive by mail three months before your coverage begins.

The 24-month waiting period is waived for people with amyotrophic lateral sclerosis or end-stage renal disease. People with ALS automatically start Medicare the month their SSDI benefits begin.

Sign up for Medicare Part A and B now to avoid penalties if you aren’t receiving Social Security retirement or disability benefits. If your income is low, you may qualify for special programs that help you pay Medicare’s premiums and other medical costs.

You still have decisions to make on other parts of Medicare. We help guide you through the process, so you won’t have gaps in coverage or face penalties.

Since you aren’t working or covered through a spouse’s employer plan, sign up for parts A and B of Medicare during your seven-month initial enrollment period. If you miss that deadline, you may end up paying higher premiums.

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you aren’t working or covered through a spouse’s employer plan, sign up for parts A and B of Medicare now. If you miss your enrollment deadline, you may end up paying higher premiums.

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, sign up for parts A and B of Medicare during your seven-month initial enrollment period. If you miss that deadline, you may end up paying higher premiums.

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, sign up for parts A and B of Medicare now. If you miss your enrollment deadline, you may end up paying higher premiums.

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, sign up for parts A and B of Medicare during your seven-month initial enrollment period. If you miss that deadline, you may end up paying higher premiums.

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, sign up for parts A and B of Medicare now. If you miss your enrollment deadline, you may end up paying higher premiums.

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, sign up for parts A and B of Medicare during your seven-month initial enrollment period. If you miss that deadline, you may end up paying higher premiums.

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, sign up for parts A and B of Medicare during your seven-month initial enrollment period. If you miss that deadline, you may end up paying higher premiums.

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you don’t have health insurance through an employer plan, sign up for parts A and B of Medicare now. If you miss that deadline, you may end up paying higher premiums.

You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you and your spouse have health insurance through an employer plan, you may not need to sign up for Medicare yet, even though you’ll be eligible at age 65. It depends on the size of the employer.

If the company has 20 or more employees, you can continue with this job-based health insurance. You may want to sign up for Part A because it’s generally free, but you may opt not to sign up for Part B to avoid paying the monthly premiums. Keep in mind that it’s important to sign up for Part B before or within eight months of your or your spouse’s departure from the job and loss of coverage as an active employee to avoid a late-enrollment penalty.

If the insurance comes through a company with fewer than 20 employees, Medicare usually begins to pay its part of insurance claims when you turn 65, and the employer coverage becomes secondary. So sign up for Medicare within your seven-month initial enrollment period to avoid coverage gaps and penalties.

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you decide to wait on Part B, follow the instructions that come with the Medicare card and send it back. If you aren’t receiving Social Security, you’ll need to enroll in Medicare yourself. You’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you and your spouse have health insurance through an employer plan, you may not need to sign up for Medicare yet, even though you’re eligible at age 65. It depends on the size of the employer.

If the company has 20 or more employees, you can continue with this job-based health insurance. You may want to sign up for Part A because it’s generally free, but you may opt not to sign up for Part B to avoid paying the monthly premiums. Keep in mind that it’s important to sign up for Part B before or within eight months of your or your spouse’s departure from the job and loss of coverage as an active employee to avoid a late-enrollment penalty.

If the insurance comes through a company with fewer than 20 employees, Medicare usually begins to pay its part of insurance claims when you turn 65, and the employer coverage becomes secondary. So sign up for Medicare now to avoid coverage gaps and penalties.

If you’re already receiving Social Security benefits in retirement, you’ll be enrolled automatically in parts A and B of Medicare at the beginning of the month you turn 65 or, if your birthday is on the first day of a month, during the previous month. (Puerto Rico’s rules differ.) If you decide to wait on Part B, follow the instructions that come with the Medicare card and send it back. If you aren’t receiving Social Security, you need to enroll in Medicare yourself. You still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you’re still working and have health insurance through an employer plan, you may not need to sign up for Medicare yet, even though you’ll be eligible when you turn 65. It depends on the size of the employer.

If the company has 20 or more employees, you can continue with this job-based health insurance. You may want to sign up for Part A because it’s generally free, but you may opt not to sign up for Part B to avoid paying the monthly premiums. Keep in mind that it’s important to sign up for Part B before or within eight months of your or your spouse’s departure from the job and loss of coverage as an active employee to avoid a late-enrollment penalty.

If the insurance comes through a company with fewer than 20 employees, Medicare usually begins to pay its part of insurance claims when you turn 65, and the employer coverage becomes secondary. So sign up for Medicare within your seven-month initial enrollment period to avoid coverage gaps and penalties.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you’re still working and have health insurance through an employer plan, you may not need to sign up for Medicare yet, even though you’re eligible at age 65. It depends on the size of the employer.

If the company has 20 or more employees, you can continue with this job-based health insurance. You may want to sign up for Part A because it’s generally free, but you may opt not to sign up for Part B to avoid paying the monthly premiums. Keep in mind that it’s important to sign up for Part B before or within eight months of your or your spouse’s departure from the job and loss of coverage as an active employee to avoid a late-enrollment penalty.

If the insurance comes through a company with fewer than 20 employees, Medicare usually begins to pay its part of insurance claims when you turn 65, and the employer coverage becomes secondary. So sign up for Medicare now to avoid coverage gaps and penalties.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you’re still working and have health insurance through an employer plan, you may not need to sign up for Medicare yet, even though you’ll be eligible when you turn 65. It depends on the size of the employer.

If the company has 20 or more employees, you can continue with this job-based health insurance. You may want to sign up for Part A because it’s generally free, but you may opt not to sign up for Part B to avoid paying the monthly premiums. Keep in mind that it’s important to sign up for Part B before or within eight months of your or your spouse’s departure from the job and loss of coverage as an active employee to avoid a late-enrollment penalty.

If the insurance comes through a company with fewer than 20 employees, Medicare usually begins to pay its part of insurance claims when you turn 65, and the employer coverage becomes secondary. So sign up for Medicare within your seven-month initial enrollment period to avoid coverage gaps and penalties.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you’re still working and have health insurance through an employer plan, you may not need to sign up for Medicare yet, even though you’re eligible at age 65. It depends on the size of the employer.

If the company has 20 or more employees, you can continue with this job-based health insurance. You may want to sign up for Part A because it’s generally free, but you may opt not to sign up for Part B to avoid paying the monthly premiums. Keep in mind that it’s important to sign up for Part B before or within eight months of your or your spouse’s departure from the job and loss of coverage as an active employee to avoid a late-enrollment penalty.

If the insurance comes through a company with fewer than 20 employees, Medicare usually begins to pay its part of insurance claims when you turn 65, and the employer coverage becomes secondary. So sign up for Medicare now to avoid coverage gaps and penalties.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you have health insurance through an employer plan, you may not need to sign up for Medicare yet, even though you’ll be eligible when you turn 65. It depends on the size of the employer.

If the company has 20 or more employees, you can continue with this job-based health insurance. You may want to sign up for Part A because it’s generally free, but you may opt not to sign up for Part B to avoid paying the monthly premiums. Keep in mind that it’s important to sign up for Part B before or within eight months of your or your spouse’s departure from the job and loss of coverage as an active employee to avoid a late-enrollment penalty.

If the insurance comes through a company with fewer than 20 employees, Medicare usually begins to pay its part of insurance claims when you turn 65, and the employer coverage becomes secondary. So sign up for Medicare within your seven-month initial enrollment period to avoid coverage gaps and penalties.

Either way, you’ll still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Since you have health insurance through an employer plan, you may not need to sign up for Medicare yet, even though you’re eligible at age 65. It depends on the size of the employer.

If the company has 20 or more employees, you can continue with this job-based health insurance. You may want to sign up for Part A because it’s generally free, but you may opt not to sign up for Part B to avoid paying the monthly premiums. Keep in mind that it’s important to sign up for Part B before or within eight months of your or your spouse’s departure from the job and loss of coverage as an active employee to avoid a late-enrollment penalty.

If the insurance comes through a company with fewer than 20 employees, Medicare usually begins to pay its part of insurance claims when you turn 65, and the employer coverage becomes secondary. So sign up for Medicare now to avoid coverage gaps and penalties.

Either way, you still have decisions to make on other parts of Medicare. We can help guide you through the process so you won’t have gaps in coverage or face penalties.

Questions to consider

  1. Do I need to sign up for Medicare now? If so, which parts?​
  2. Do I need to buy a Medigap policy?​
  3. Do I need prescription drug coverage?​
  4. How will Medicare work with coverage from an employer?

 

We’re sorry you can’t find what you need.

We want to make sure you get the Medicare help you’re looking for as quickly as possible. Call AARP’s Medicare Education Help Line, 866-761-5190, to talk with us.

Because it’s after your initial enrollment period …

We want to make sure you get the Medicare help you’re looking for quickly so you can avoid or minimize possible penalties. Several government and nonprofit resources can help:

• Medicare Contact Center: 800-MEDICARE (800-633-4227)
• State Health Insurance Assistance Programs: 877-839-2675
• Medicare Rights Center: 800-333-4114

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