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Will I automatically be enrolled in Medicare when I turn 65?

Experienced Medicare Broker Consulting with Client in Michigan

If you’re approaching your 65th birthday, you might be wondering about Medicare enrollment. Will you be automatically enrolled in Medicare, or do you need to take action to sign up? The answer depends on a few different factors, which we’ll explore in this article.

First, let’s cover some basics about Medicare. Medicare is a federal health insurance program that’s available to people who are 65 or older, as well as to younger people with certain disabilities or health conditions. Medicare is divided into several different parts, which cover different types of healthcare services:

  • Medicare Part A: Covers inpatient hospital care, skilled nursing care, hospice care, and some home healthcare services.
  • Medicare Part B: Covers doctor’s visits, outpatient care, preventive services, and some medical equipment and supplies.
  • Medicare Part C: Also known as Medicare Advantage, this is an alternative to Original Medicare (Parts A and B) that’s offered by private insurance companies. Medicare Advantage plans usually include prescription drug coverage and other benefits not covered by Parts A and B.
  • Medicare Part D: Covers prescription drugs.

Now, let’s talk about Medicare enrollment. In most cases, you will not be automatically enrolled in Medicare when you turn 65. However, there are a few situations in which you may be automatically enrolled:

  • If you’re already receiving Social Security benefits: If you’re already receiving Social Security benefits when you turn 65, you will be automatically enrolled in Medicare Parts A and B. You’ll receive your Medicare card in the mail about three months before your 65th birthday.
  • If you’re receiving Railroad Retirement Board (RRB) benefits: If you’re already receiving RRB benefits when you turn 65, you will be automatically enrolled in Medicare Parts A and B. You’ll receive your Medicare card in the mail about three months before your 65th birthday.
  • If you have ALS (also known as Lou Gehrig’s disease): If you have ALS, you will be automatically enrolled in Medicare Parts A and B the month your disability benefits begin.

If you’re not automatically enrolled in Medicare, you’ll need to sign up yourself. The initial enrollment period for Medicare lasts for seven months, starting three months before the month of your 65th birthday and ending three months after. If you don’t sign up during this period, you may have to pay a late enrollment penalty when you do enroll.

To enroll in Medicare, you can go to the Social Security website or visit your local Social Security office. You’ll need to provide some basic information, such as your name, Social Security number, and date of birth.

The answer to whether you will automatically be enrolled in Medicare when you turn 65 depends on a few different factors. If you’re already receiving Social Security or RRB benefits, or if you have ALS, you will be automatically enrolled. Otherwise, you’ll need to sign up yourself during the initial enrollment period. Make sure you understand your options and take action in a timely manner to avoid any penalties or gaps in coverage.

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What Our Customers Have To Say

Shecter Calendar
Shecter Calendar
2023-05-12
Very knowledgeable, friendly, easy to work with.
Cindy
Cindy
2023-05-11
Jim was a great resource who was recommend by my financial advisor. His explanations of the various options were straight forward and very informative. He asked me pertinent questions about my health in order to tailor a plan to best fit my needs.
beth swartz
beth swartz
2023-05-10
very knowledgable
Loventry Robinson
Loventry Robinson
2023-05-10
Jim is patient and very knowledgeable in his work. He helped me to get the Medicare advantage plan I wanted, and I am very satisfied.
Teresa Orr
Teresa Orr
2023-05-10
Jim was very helpful in explaining coverages and explaining the steps I needed to take to get Medicare. I highly recommend him. He is very knowledgeable on all aspects of care and made it easy for me to enroll in coverage.
Laurie Eisenbraun
Laurie Eisenbraun
2023-05-08
Jim was able to provide tailored Medical Gap policy solutions that fit my and my husbands individual needs. Jim is knowledgeable about all the potential policies that could work for us.
Denise Bensch
Denise Bensch
2023-05-04
I want to thank James Neil for making the Medicare Insurance sign up process so easy. He took what I thought would be a frustrating and confusing process, and made it a pleasure. He clearly explained our options and gave us information in an easy to understand manner. I will definitely recommend his services to friends and family.
Chris Bensch
Chris Bensch
2023-05-04
Mr. Neal is extremely knowledgeable & helpful. He did an excellent job of explaining how everything works and presented our options clearly. I'd strongly recommend anyone nearing retirement, considering a benefit change or simply looking for an overview of their options contact him.
Patrick Lennane
Patrick Lennane
2023-05-01
Awesome experience, explained all options clearly and made it easy to make a healthcare decision. Highly recommend!
KATHY TROHA-AUSTIN
KATHY TROHA-AUSTIN
2023-04-24
These two (Jim and Jennifer) were awesome. Extremely knowledgable about the entire process. Would highly recommend them.