To apply for Medicare, follow these steps:

1. Know When to Apply

• The Initial Enrollment Period (IEP) is a 7-month window: it starts 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after that month

• If you are already receiving Social Security or Railroad Retirement Board benefits 4 months before turning 65, you will be automatically enrolled in Medicare Parts A and B

2. Decide What Parts to Apply For

• Part A (Hospital Insurance) is usually premium-free if you or your spouse worked enough years.
• Part B (Medical Insurance) requires a monthly premium and must be actively chosen unless automatically enrolled

3. Gather Necessary Documents

• Social Security card
• Original birth certificate
• Proof of U.S. citizenship or legal residency (if not born in the U.S.)
• Possibly W-2 forms or military documents if applicable

4. How to Apply

• Online: The easiest and fastest way is through your secure my Social Security account on the Social Security Administration (SSA) website

• By Phone: Call SSA at 1-800-772-1213 (TTY 1-800-325-0778)

• In Person: Visit your local Social Security office.
• Railroad Workers: Contact the Railroad Retirement Board at 1-877-772-5772 if you or your spouse worked for the railroad

5. After Applying

• You will receive a welcome package with your Medicare card about two weeks after signing up

• Use your Medicare Number on the card to create a Medicare account online, join a plan, or buy supplemental insurance

Additional Notes

• If you miss your IEP to sign up for Part B, you may face a late enrollment penalty and have to wait for a General Enrollment Period

• If you have employer health coverage, you may choose to delay Part B but should understand the implications

This process ensures you enroll in Medicare timely and have the coverage you need