top of page

How to Apply for Medicare Part A & B: A Step-by-Step Guide

If you're approaching retirement age or are eligible for Medicare due to a disability, you may be wondering how to apply for Medicare Part A and Part B. These two parts of Original Medicare provide essential coverage for hospital and medical services. This guide will walk you through the process of applying for Medicare Part A and Part B, ensuring you understand how to enroll and make informed decisions about your healthcare coverage.

Who is Eligible for Medicare Part A & B?

Typically, you are eligible for Medicare if you are:

  • 65 years or older

  • Under 65 and have a qualifying disability

  • Diagnosed with End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS)

If you're 65 or older and receive Social Security benefits or Railroad Retirement Board benefits, you are automatically enrolled in Medicare Part A and Part B. However, if you are not automatically enrolled, you will need to apply.

When Should You Apply for Medicare Part A & B?

Initial Enrollment Period (IEP): You can apply for Medicare Part A & Part B during your Initial Enrollment Period (IEP), which starts three months before your 65th birthday and lasts seven months. Applying during this time ensures there are no gaps in your coverage.

If you miss this window, you may have to wait for General Enrollment (January 1 to March 31), and your coverage will begin on July 1. However, waiting could result in late enrollment penalties, so it’s best to apply during your IEP.

Steps to Apply for Medicare Part A & B

Step 1: 

Determine Your Enrollment Status

If you're already receiving Social Security benefits, you'll be automatically enrolled in Medicare Part A and Part B around your 65th birthday. If not, you will need to apply.

Step 2: 

Choose Your Enrollment Method

You can apply for Medicare Part A and Part B through several methods:

  1. Online: Visit the official Social Security website at www.ssa.gov/medicare and complete the online application form. This is the most convenient way to apply.

  2. By Phone: You can apply by calling the Social Security Administration at 1-800-772-1213. They can assist you with the application process and answer any questions you may have.

  3. In-Person: You can visit your local Social Security office to apply in person. To find the nearest office, use the Social Security office locator.

  4. Mail: If you prefer, you can also apply by mail by completing the necessary forms and sending them to your local Social Security office.

Step 3:

Gather Necessary Documents

When applying, be sure to have the following documents ready:

  • Your birth certificate or proof of age

  • Proof of U.S. citizenship or legal residency status

  • Social Security number

  • Current health insurance information (if applicable)

Step 4: 

Review Your Options

Before finalizing your application, review your options for coverage. While Medicare Part A is usually premium-free, Medicare Part B typically requires a monthly premium. If you already have health insurance coverage (such as through your employer or a spouse’s employer), you may want to delay enrollment or choose to keep it.

Step 5: 

Submit Your Application

Once your application is complete and all necessary information is provided, submit it to the Social Security Administration. After processing your application, you will receive your Medicare card in the mail.

Step 6: 

Pay Your Premiums (if applicable)

If you have to pay a premium for Medicare Part B, you will typically pay it through your Social Security benefits. If you’re not receiving Social Security, you will receive a Medicare bill for your premiums.

Step 7: 

Stay Informed

After enrolling, make sure to stay informed about your coverage. You’ll receive an Annual Notice of Change (ANOC) and other important communications. You can make changes during the Annual Election Period (AEP) each fall if needed.

Note:

​

1. Late Enrollment Penalties:

  • If you don’t apply for Part B when first eligible and don’t have other credible coverage, you may face a late enrollment penalty. The penalty can increase your monthly premium by 10% for each year you delay enrollment.

2. Medicare Advantage Plans (Part C):

  • After enrolling in Medicare Part A and Part B, you may want to consider enrolling in a Medicare Advantage Plan (Part C). These plans offer additional coverage beyond Original Medicare and may include prescription drug coverage (Part D), vision, dental, and hearing benefits.

3. Prescription Drug Coverage (Part D):

  • If you don't enroll in a Part D prescription drug plan when first eligible, you could incur a late enrollment penalty if you decide to enroll later.

bottom of page