Social Security Answers
Question 2. Do I also apply for Medicare when I apply for Social Security retirement benefits?
Answer. If you begin to receive Social Security retirement benefits before turning 65, you will automatically be enrolled in Medicare Parts A and B; no further action is required. However, beginning November 15, 2005, you must enroll separately for the new Part D prescription drug benefit if you wish to participate, even if you are already enrolled in Medicare Part A and B.
Your Medicare coverage will begin on the first day of the month of your 65th birthday, even if your birthday is on the last day of the month. If you are not receiving Social Security benefits or Railroad Retirement benefits when you turn 65, you must enroll in Medicare at your nearest Social Security office.
Important: The age rules for enrolling in Social Security and Medicare are now very different. Many people born after 1937 plan to enroll in Medicare when they reach their Full Retirement Age for Social Security benefits. That could be a very costly mistake. To be eligible for full Social Security benefits, you must now wait because the Full Retirement Age is gradually increasing beyond age 65.
On the other hand, you must sign up for Medicare 3 months before reaching age 65, even if you plan to continue working past age 65. If you don't enroll then, your Part B and Part D coverage could be delayed and you will have to pay a higher premium for the rest of your life.
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