You typically become eligible for Medicare when you turn 65. The Initial Enrollment Period (IEP) is your first chance to sign up. It begins three months before your 65th birthday, includes the month you turn 65, and extends for three more months after your birthday — a seven-month window to enroll.

How to Apply

• Online: The easiest way to apply is through the Social Security Administration (SSA) website. If you are already receiving Social Security benefits, you are usually enrolled automatically in Parts A and B when eligible. If not, you can apply online.
• By Phone: Call the Social Security Administration directly to apply for Medicare.
• In Person: Visit your local Social Security office. It’s often recommended to call ahead for an appointment.

Key Things to Consider

• Part A (Hospital Insurance): Generally premium-free if you or your spouse paid Medicare taxes long enough. It’s usually advisable to enroll when first eligible, even if you have other insurance.
• Part B (Medical Insurance): Has a monthly premium. If you delay enrollment without other creditable coverage (e.g., employer insurance), you may face a late enrollment penalty later.
• Part C (Medicare Advantage): Private plans that provide an alternative to Original Medicare (Parts A and B). You can enroll during your IEP once you have Parts A and B.
• Part D (Prescription Drug Coverage): Offered by private companies. You can enroll in a Part D plan during your IEP.

Important Notes

It’s important to understand your options and enroll during the correct periods to avoid penalties and ensure continuous coverage. If you are still working and have employer health insurance when you turn 65, specific rules apply regarding when and how to enroll in Medicare.