I'll be 65 years old soon. When should I sign up for Medicare?

Generally, Social Security advises people to file for Medicare benefits 3 months before age 65. Remember, Medicare benefits can begin no earlier than age 65. If you are already receiving Social Security, you will automatically be enrolled in Medicare Parts A and B without an additional application. However, because you must pay a premium for Part B coverage, you have the option of turning it down. You will receive a Medicare card about two months before age 65. (Note: Residents of Puerto Rico or foreign countries will not receive Part B automatically. They must elect this benefit.)

If you would like to file for Medicare only, you can apply by calling 1-800-772-1213. A Social Security representative will make an appointment for you at any convenient Social Security office and advise you what to bring with you. When you apply for Medicare, Social Security often also take an application for monthly benefits. You can apply for retirement benefits online.