Medicare: How to enroll

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Caring.com

Enrollment is different for each part of Medicare. People who are receiving any type of Social Security benefits when they turn 65 will be automatically enrolled in Parts A and B. Medicare will send them enrollment cards and information about three months before their 65th birthdays. If they aren't automatically enrolled, they may sign up for Part A or Part B at any local Social Security office. They should enroll two or three months before they turn 65, to ensure prompt coverage.

If they delay enrolling in Part A past their 65th birthday, their coverage can date back to up to six months before the date they do apply. Delaying enrollment in Part B is more of a problem. If they wait more than three months after their 65th birthday to enroll in Part B, they may not enroll until January 1 of the following year, and the coverage won't start until July 1 of that year.

If they want to enroll in Part C or D of Medicare, they do so with the private managed care plan or insurance company that runs the particular plan or issues the policy they want. If they don't enroll in Part C or D when they turn 65, or if they want to switch coverage under Part C or D, they can do so during Medicare's annual enrollment period, which falls between November 15 and December 31. (Some managed care plans and insurance companies also allow enrollment throughout the year.)