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Medicare is our country'south health insurance program for people age 65 or older. Sure people younger than age 65 can authorize for Medicare too, including those with disabilities and those who have permanent kidney failure.

The program helps with the cost of health care, but information technology does not cover all medical expenses or the cost of most long-term care. You have choices for how you get Medicare coverage. If you cull to accept Original Medicare (Part A and Part B) coverage, you lot can buy a Medicare Supplement Insurance (Medigap) policy from a private insurance company.

The Parts of Medicare

Social Security enrolls you lot in Original Medicare (Function A and Part B).

Medicare Role A (hospital insurance) helps pay for inpatient intendance in a hospital or limited fourth dimension at a skilled nursing facility (following a infirmary stay). Role A besides pays for some domicile health care and hospice intendance.
Medicare Part B (medical insurance) helps pay for services from doctors and other health care providers, outpatient care, home health intendance, durable medical equipment, and some preventive services.

Other parts of Medicare are run by individual insurance companies that follow rules ready by Medicare.

Supplemental (Medigap) policies help pay Medicare out-of-pocket copayments, coinsurance, and deductible expenses.
Medicare Advantage Plan (previously known as Function C) includes all benefits and services covered under Part A and Part B — prescription drugs and additional benefits such as vision, hearing, and dental — bundled together in 1 plan.
Medicare Part D (Medicare prescription drug coverage) helps cover the price of prescription drugs.

Most people age 65 or older are eligible for free Medical infirmary insurance (Part A) if they have worked and paid Medicare taxes long enough. You can enroll in Medicare medical insurance (Part B) past paying a monthly premium. Some beneficiaries with higher incomes will pay a higher monthly Function B premium. To learn more than, read Medicare Premiums: Rules For Higher-Income Beneficiaries.

Should I Sign Up For Medical Insurance (Part B)?

With our online application, yous can sign upward for Medicare Office A (hospital insurance) and Part B (medical insurance). Because you must pay a premium for Role B coverage, you lot can turn it down.

If you're eligible at historic period 65, your initial enrollment period begins three months before your 65th birthday, includes the calendar month you plow age 65, and ends 3 months later on that birthday.

If you choose not to enroll in Medicare Part B and then decide to do and then later, your coverage could be delayed and you may have to pay a higher monthly premium for as long as you lot have Function B. Your monthly premium volition go up x percent for each 12-month menstruum you were eligible for Part B, but didn't sign upward for it, unless yous qualify for a "Special Enrollment Period" (SEP).

If yous don't enroll in Medicare Office B during your initial enrollment period, you accept another take chances each twelvemonth to sign up during a "general enrollment flow" from January one through March 31. Your coverage begins on July 1 of the year you enroll. Read our Medicare publication for more data.

If yous have a Health Savings Account (HSA) or health insurance based on current employment, you may want to ask your personnel role or insurance visitor how signing up for Medicare will affect you lot.

Special Enrollment Period (SEP)

If yous have medical insurance coverage nether a group health plan based on your or your spouse'south electric current employment, yous may not need to apply for Medicare Part B at age 65. You lot may qualify for a "Special Enrollment Period" (SEP) that will let yous sign up for Part B during:

Any month you remain covered under the group wellness program and you or your spouse's employment continues.
The 8-calendar month period that begins with the month afterwards your grouping health plan coverage or the employment it is based on ends, whichever comes first.

How To Apply Online For Simply Medicare

If yous are within 3 months of turning age 65 or older and not gear up to commencement your monthly Social Security benefits even so, yous can use our online retirement application to sign upwards merely for Medicare and await to use for your retirement or spouses benefits later. It takes less than 10 minutes, and there are no forms to sign and usually no documentation is required.

Apply for Medicare Only

Return to Saved Application | Check Application Condition | Supervene upon Medicare Bill of fare

To find out what documents and data you need to apply, go to the Checklist For The Online Medicare, Retirement, and Spouses Awarding.

Medicare Cards

To help protect your identity, your Medicare card has a Medicare number that's unique to you. If you lot did not receive your red, white, and bluish Medicare card, there may be something that needs to be corrected, like your mailing address. You can update your mailing accost past signing in to or creating your personal my Social Security account. Learn more than about your Medicare card.

Already Enrolled in Medicare

If you have Medicare, you lot can get data and services online. Discover out how to manage your benefits.

If you are enrolled in Medicare Role A and you lot want to enroll in Part B, please consummate form CMS-40B, Application for Enrollment in Medicare – Office B (medical insurance). If you are applying for Medicare Part B due to a loss of employment or group health coverage, you volition likewise demand to complete grade CMS-L564, Request for Employment Information.

You lot can utilize one of the following options to submit your enrollment request under the Special Enrollment Period:

Go to "Apply Online for Medicare Role B During a Special Enrollment Period" and complete CMS-40B and CMS-L564. Then upload your evidence of Grouping Wellness Program or Big Grouping Wellness Plan.
Fax or postal service your CMS-40B, CMS-L564, and secondary evidence to your local Social Security office (meet listing of secondary show beneath).

Note: When completing the forms CMS-40B and CMS-L564

State "I want Role B coverage to begin (MM/YY)" in the remarks section of the CMS-40B form or online application.
If possible, your employer should complete Section B.
If your employer is unable to complete Section B, please complete that portion as all-time as you can on behalf of your employer without your employer's signature and submit one of the following forms of secondary evidence:

Income tax form that shows health insurance premiums paid.
West-2s reflecting pre-tax medical contributions.
Pay stubs that reflect health insurance premium deductions.
Health insurance cards with a policy effective date.
Explanations of benefits paid by the GHP or LGHP.
Statements or receipts that reverberate payment of health insurance premiums.

You'll take Original Medicare (Function A and Role B) unless you make another choice. You lot tin make up one's mind to add a drug plan (Part D) or buy a Medigap policy to aid pay for costs that Original Medicare doesn't cover. You tin choose to join a Medicare Reward Programme (Part C) and go all your Medicare coverage (including drugs and extra benefits like vision, hearing, dental, and more than) bundled together in one plan.

Some people with limited resources and income may besides exist able to go Extra Help to pay for Function D drug costs.

What Happens Subsequently I Apply?

The Centers for Medicare & Medicaid Services (CMS) manages Medicare. After you are enrolled, they will transport you lot a Welcome to Medicare packet in the postal service with your Medicare card. You will also receive the Medicare & You lot handbook, with important information near your Medicare coverage choices.

Other Medicare Enrollment Options

If you live in Puerto Rico you will non receive Medicare Part B (medical insurance) automatically. You volition need to sign up for it during your initial enrollment period, or yous will pay a penalization. To sign up, delight call our toll-free number at one-800-772-1213 (TTY 1-800-325-0778). You likewise may contact your local Social Security role. You can detect your local Social Security part by using our Office Locator.