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If you (or your spouse) are still working when you turn 65, Medicare works a little differently. Answer a few questions to find out when to sign up, or review some common situations.
Most people get Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) when first eligible (usually when turning 65). Answer a few questions to check when and how to sign up based on your personal situation. Learn about Part A and Part B sign up periods and when coverage starts.
Some people get Medicare automatically, others have to actively sign up -- it depends if you start getting retirement or disability benefits from Social Security before you turn 65. What do Social Security benefits have to do with getting Medicare?
Generally, when you turn 65. This is called your Initial Enrollment Period. It lasts for 7 months, starting 3 months before you turn 65, and ending 3 months after the month you turn 65.
If you (or your spouse) are still working when you turn 65, enrolling in Medicare works a little differently. Find out when you need to sign up. Then when you’re ready, you can follow the “Getting Social Security benefits after 65” path to get all the information you need.
Generally, you’re first eligible to sign up for Part A and Part B starting 3 months before you turn 65 and ending 3 months after the month you turn 65. (You may be eligible for Medicare earlier, if you get disability benefits from Social Security or the Railroad Retirement Board.)
I’m getting Social Security benefits after 65. Follow this path if you’re waiting until you turn 65 or older to collect Social Security benefits. When you’re ready, you’ll have to contact Social Security to sign up for Medicare.
You automatically get Medicare when you turn 65. You’ll get Part A (Hospital Insurance) and Part B (Medical Insurance) . We’ll mail you a welcome package with your Medicare card 3 months before your Medicare coverage starts.
What happens when I turn 65? When you become eligible for Medicare, you may need to enroll in both Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) to get full benefits from your retiree coverage. You have a limited time to sign up for Medicare without paying a penalty.
Under 65, disabled, and your free Part A coverage ended because you returned to work. (If you’re under 65 and disabled, you can continue to get free Part A for up to 8 1⁄2 years after you return to work.) In 2018, people who have to buy Part A pay premiums up to $422 each month.