Medicare is the federal health insurance program for people 65+ and certain people under 65 with disabilities. You can enroll online through Social Security’s website. Missing your enrollment window can mean permanent premium penalties.
- Social Security Number
- Information about any employer coverage you or your spouse have
- Bank account for premium payments
Understand Medicare parts and enrollment windows
Part A (hospital): most people get it free. Part B (medical): $174.70/month (2024). You have a 7-month Initial Enrollment Period: 3 months before your 65th birthday month, your birthday month, and 3 months after. Missing this window = 10% permanent premium penalty per year late.
Apply online at socialsecurity.gov
Go to ssa.gov/medicare/sign-up and click “Apply for Medicare Only.” If you are already receiving Social Security benefits, you are enrolled in Parts A and B automatically at 65. Otherwise, apply online 3 months before you turn 65.
Decide between Original Medicare or Medicare Advantage
Original Medicare (Parts A+B) + Optional Part D (drug) + Optional Medigap Supplement. OR Medicare Advantage (Part C) which bundles A, B, and usually D through a private insurer. Compare options at medicare.gov/plan-compare.
Enroll in Part D drug coverage
Even if you take no prescriptions, enroll in a Part D plan to avoid a late enrollment penalty. Find plans at medicare.gov/plan-compare. Low-income beneficiaries may qualify for Extra Help to lower drug costs.
Create your Medicare.gov account
Go to medicare.gov and create a MyMedicare.gov account. View your claims, print your red, white, and blue Medicare card, check drug coverage, and manage your benefits online.
Frequently Asked Questions
Yes — if you or your spouse are actively working and have employer group health insurance, you can delay Part B without penalty. Enroll within 8 months of losing that coverage. Get this in writing from your employer HR.
Medicare does not cover: routine dental (except limited hospital dental), routine vision (no glasses/contacts), hearing aids, most long-term care (nursing home), overseas care (except limited emergencies), or cosmetic procedures.
eHealth offers free Medicare plan comparison and licensed agent help at no cost to you.