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Enrolling in Medicare

Word Cloud of Medicare TermsTurning 65

If you are already getting Social Security benefits, you will automatically be enrolled in Medicare Part A and Part B the first day of the month you turn 65. You will receive a Welcome to Medicare packet in the mail three months before your birthday, which includes your Medicare card.

If you are not getting Social Security benefits and want Medicare, you must enroll.

Under 65 and Disabled

If you are disabled and you have been receiving Social Security benefits for 24 months, you will automatically be enrolled in Medicare Part A and Medicare Part B at the beginning of your 25th month. You will receive a Welcome to Medicare packet in the mail three months before your 25th month of receiving Social Security benefits, which will include your Medicare card.

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Paying Medicare Premiums

If you get Social Security benefits, your Medicare Part B premium will automatically be deducted from your check, beginning one month before Medicare starts.

If you do not get a Social Security check, you will receive a premium bill. There are four ways to pay:

  1. Pay directly from your bank account
  2. Sign up for Medicare Easy Pay
  3. Pay by check or money order
  4. Pay by credit card or debit card

When Should I Enroll?

There is a seven-month period when you can first enroll in Medicare. It’s called the Initial Enrollment Period (IEP) and it happens three months before the month you turn age 65, the month of your 65th birthday and the three months after. If your birthday is on the 1st of the month, your coverage can begin on the first day of the previous month.

If you are disabled and under age 65, there is a seven-month period surrounding the 25th month you begin receiving Social Security Disability payments. Enrollment time frames are different for people who become eligible because of end-stage renal disease or Lou Gehrig’s Disease (ALS).

Minnesota's Medicare Guide - Health Care Choices for Minnesotans on Medicare

If you need more information, the Minnesota Board on Aging's annual Minnesota-focused Medicare guide, Health Care Choices for Minnesotans on Medicare can help.

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