How do I start Medicare when I turn 65?

If you are going to start Medicare when you turn 65, the first step for most people is making sure Medicare Part A and Part B will begin on time.

If you have been receiving Social Security benefits for at least four months before turning 65, the government generally enrolls you automatically and mails your Medicare card about three months before coverage starts.

If you are not receiving those benefits, you can apply through Social Security during the three months before your birthday month, using an existing my Social Security account or creating one during the process.

When you enroll before your birthday month, coverage generally starts on the first day of the month you turn 65; if your birthday is on the first day of the month, it generally starts on the first day of the previous month.

After enrollment is processed, Medicare sends your card, and you can also use your secure Medicare or Social Security account to review enrollment information.

Source: Medicare.gov: When Medicare coverage starts

This general educational information is not individual plan advice. Plan availability and benefits vary by location and contract year.