How to Enroll in Medicare, Step by Step

Where to enroll

You enroll in Original Medicare (Parts A and B) through the Social Security Administration, in one of three ways: online at ssa.gov, by phone at 1-800-772-1213, or in person at your local Social Security office. Part D drug plans and Medicare Advantage plans are chosen separately, through Medicare.gov or a licensed agent, after you have Parts A and B.

Automatic vs. manual enrollment

If you are already receiving Social Security or Railroad Retirement benefits, you are enrolled in Parts A and B automatically at 65 and your card arrives in the mail. If you are not yet collecting benefits, enrollment is not automatic, and you must apply yourself during your 7-month Initial Enrollment Period.

What you need to apply

Applying online takes most people under 30 minutes. You generally need your basic information and, in some cases, proof of citizenship or lawful residency, plus details about any current employer coverage. If you are delaying Part B because you have active employer coverage, keep records of that coverage for a later Special Enrollment Period.

Create your online accounts

Two free accounts make enrollment and management easier: a my Social Security account at ssa.gov to apply and check status, and a Medicare account at Medicare.gov to view coverage, compare Part D plans, and manage your card once you are enrolled.

After you apply

Social Security processes most applications within a few weeks and mails your red, white, and blue Medicare card. Your coverage start date depends on when in your Initial Enrollment Period you signed up: enroll in the first 3 months and coverage begins the month you turn 65. Once you have Parts A and B, you can add a Part D plan, a Medigap plan, or a Medicare Advantage plan.

Related articles

• Turning 65: your complete guide to starting Medicare
• Medicare eligibility: are you eligible, and when?
• How to apply for Medicare and check your status online
• Create a Medicare.gov account: step by step

Common questions