If you’re turning 65 and Medicare is on your to-do list, here is what you need to know:
How you enroll in Medicare depends on your current situation related to Social Security.
1) If you are receiving Social Security payments, you will automatically be enrolled in Medicare A and B. Part B has a monthly premium which will be deducted from your Social Security check at the start of the month before you turn 65. Your Medicare card will be sent to you three months before your birthday month.
2) If you are not drawing Social Security payments, you will need to contact Social Security to tell them you want Part B.
You can enroll online by going to ssa.gov/benefits/medicare/
You should make sure you are signed up for Medicare three months before you turn 65 because it takes three weeks to get your Medicare card.
Once you’ve enrolled in Part B, you will get your Medicare card. Your Medicare card has important information that is required when you go to sign up for a Medicare supplement, Part D plan, or a Medicare Advantage plan.
Choosing your Medicare coverage:
Once you’ve got your Medicare card, you need to choose your Medicare coverage.
Will you have only Medicare? (A financially risky choice.)
Will you get a Medicare supplement and a stand-alone Part D plan?
Will you enroll in a Medicare Advantage plan that includes Part D drug coverage?