Medicare When Turning 65

Turning 65?

Here’s How to Apply for Medicare

If you are approaching age 65, it’s time to start thinking about enrolling in Medicare. The good news is that the process is straightforward, and there are several ways to apply.

Your Initial Enrollment Period gives you a 7-month window to sign up for Medicare.

Your Medicare Enrollment Window

You can enroll during the following timeframe:

• 3 months before the month you turn 65

• The month of your 65th birthday

• 3 months after your birthday month

Enrolling earlier in this window helps ensure your coverage begins on time and helps you avoid delays.

Do You Need to Enroll in Part A, Part B, or Both?

Before applying, you should determine which parts of Medicare you need.

Most people start with two parts of Medicare:

• Part A – Hospital Insurance

• Part B – Medical Insurance

Your decision may depend on whether you are:

• Still working at age 65

• Covered by an employer or group health plan

• Planning to retire at or before age 65

Some employer plans allow you to delay Part B without penalties, while others may require you to enroll once you become eligible for Medicare. It’s important to review your employer coverage before deciding.

If you’re unsure, MedCity Medicare can help review your situation and guide you through your options.

Applications are handled through the Social Security Administration.

You can enroll in several ways.

Apply Online (Usually the Easiest Option)

If you are comfortable using a computer, applying online is often the fastest and easiest method.

Apply here:
https://www.ssa.gov/medicare/sign-up

You will need to create or log in to your Social Security online account to complete the application.

Apply by Phone

You can call Social Security and complete your application over the phone.

• Minnesota SSA Line: 877-405-3631

• National SSA Line: 800-772-1213

Apply in Person

You may also apply in person at your local Social Security office, which can be helpful if you prefer face-to-face assistance or have specific questions about your situation.

Enrolling in Part B Later (If You Continue Working)

Some people enroll in Medicare Part A at age 65, but delay Part B because they are covered under an employer health plan.

When you leave that employer plan, you will need to enroll in Part B.

You can apply for Part B only here:
https://www.ssa.gov/medicare/sign-up/part-b-only

When applying for Part B, you must also submit Form CMS-L564, which confirms that you had employer health coverage.

Your employer will complete this form, and it will be uploaded during the application process.

If You Cannot Apply Online

If applying online is not an option, you can complete the Part B enrollment form and mail or fax it to Social Security.

CMS-40B Application Form:
https://www.cms.gov/files/document/cms-40b-application-enrollment-medicare-part-b-medical-insurance.pdf

You may also complete the application by phone or in person through Social Security.

Applying for Medicare is usually straightforward, but there are a few common mistakes that can cause problems later.

Waiting Too Long to Enroll

Missing your enrollment window may result in late enrollment penalties or gaps in coverage.

Assuming You Don’t Need Part B

If you continue working past age 65, you need to confirm that your employer plan qualifies as creditable coverage before delaying Part B.

Not Coordinating Coverage with Retirement

If you plan to retire shortly after turning 65, it’s important to coordinate your Medicare start date so your coverage transitions smoothly.

Missing Required Employer Forms

If you delayed Part B due to employer coverage, your employer must complete Form CMS-L564 when you apply for Part B later.

Getting guidance before you apply can help avoid these common issues.

After enrolling in Original Medicare (Parts A and B), most people choose additional coverage to help manage healthcare costs.

Common options include:

• Medicare Supplement (Medigap)

Helps cover many of the out-of-pocket costs not paid by Original Medicare.

• Medicare Advantage Plans

An alternative way to receive your Medicare benefits through a private insurance plan.

• Part D Prescription Drug Plans

Helps cover the cost of prescription medications.

Understanding how these options work together is an important step in building the right coverage for your needs.

Applying for Medicare online can sometimes feel confusing, especially if you are not familiar with the process.

MedCity Medicare offers free assistance to help you:

• Determine when to enroll

• Decide whether you need Part A, Part B, or both

• Complete your Medicare application online

• Understand your next coverage options

If you would like help getting started, we are happy to walk you through the process.

Contact MedCity Medicare today to schedule a free consultation.