When And How To Apply for Medicare

When to Apply

Most people become eligible and enroll in Medicare at age 65. If you are still working and wish to stay on your employers group health insurance, then you can delay your enrollment for Part B until you retire in the future.

Enrollment periods can very based on your personal situation; however, in general, it is recommended to begin your enrollment process three months before your Medicare coverage is expected to begin.

Starting early is one of the best things you can do to ensure a stress-free enrollment. This allows you to get a head-start on your best coverage options with more than enough time to spare for paperwork submission and approval.

Your Initial Enrollment Period when Turning 65

Your initial enrollment period for Medicare begins 3 months before you turn 65. This means if you turn 65 on June 25, then you can submit your enrollment paperwork as early as March 1.

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How to Apply


The most common way to apply for Medicare is an online application on the Social Security website. The application process is very easy, and only takes about 5 to 10 minutes. Simply visit the Social Security website here and follow the links to the application.

​While you wait for your new Medicare card to arrive in the mail, our friendly licensed insurance agents can help you learn about your options for Medicare supplemental insurance, so you will be ready to enroll as soon as you receive your Medicare card.

Over The Phone


To apply by phone, contact Social Security at 1-800-772-1213 and let the representative know that you would like to apply for Medicare. Depending on your personal enrollment situation, they may need to mail you some forms to complete. These forms are relatively simple, but if you have any questions or would like assistance, then feel free to give us a call. We help clients with this process every day and are more then happy to guide you though the process.

By Mail

The best option for those 65+ that already have Medicare Part A, and wish to apply for Part B is completing a paper application. If this is applicable to you, and you are currently leaving credible group coverage, then there are two forms you will need to complete and mail to your local Social Security office.

These forms can be downloaded at the following links:
Application for Enrollment in Medicare Part B Form: CMS 40-B
Proof of Coverage Form: CMS-L564


In Person


Applying in person at your local Social Security office is the best option for those who are turning 65 and need to get their application processed quickly. Go to ssa.gov to locate the office closest to you. When you are at the Social Security office, be sure to ask for a printed confirmation showing you have enrolled in Part A and Part B. This conformation will allow you complete your Medicare Supplement and/or Part D applications.

What is the next step after I apply for Medicare?

Congratulations you are one step closer to your new Medicare coverage! Because medicare doesn’t cover all of your medical costs, submitting your Medicare application is simply the first step in the process. The next step is to identify the supplemental insurance coverage that will best fit your needs and budget. Working with an expert insurance agent can simplify this process and ensure that you don’t miss any steps along with way.

​The professional Agents at Medicare Hero make shopping for supplemental coverage a simple and easy. If you would like our assistance to help answer your questions, shop for coverage, or apply for the supplemental insurance you choose then please give us a call today or fill out the contact form below.

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