You should sign up for Medicare three months before reaching age 65, even if you are not ready to start receiving retirement benefi ts. You can opt out of receiving cash retirement benefi ts now once you are in the online application. Then you can apply online for retirement benefi ts later.
With our online application, you can sign up for Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). Because you must pay a premium for Part B coverage, you can turn it down.
If you choose not to enroll in Medicare Part B and then decide to do so later, your coverage may be delayed and you may have to pay a higher monthly premium for as long as you have Part B. Your monthly premium will go up 10 percent for each 12-month period you were eligible for Part B, but didn’t sign up for it, unless you qualify for a "Special Enrollment Period."
Special Enrollment Period (SEP)
If you have medical insurance coverage under a group health plan based on your or your spouse's current employment, you may not need to apply for Medicare Part B at age 65. You may qualify for a "Special Enrollment Period" (SEP) that will let you sign up for Part B during:
Any month you remain covered under the group health plan and your, or your spouse's, employment continues; or
The 8-month period that begins with the month after your group health plan coverage or the employment it is based on ends, whichever comes first.
Why apply for Medicare online?
Using the online Medicare application has a number of benefi ts. You can:
Avoid trips to your Social Security Offi ce, saving you time and money.
Answer questions at your convenience by starting and stopping the application without fear of losing any information you entered.
Make corrections to the application prior to submission.
Submit your application electronically. There is no need to mail in your application. When you are fi nished, just select “Submit Now” to send your application to Social Security.
Check the status of your application online. You will receive a confirmation number once you submit your application.
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