The Medicare Sign-Up Process Explained

If you are nearing retirement age, it is important to understand the Medicare enrollment process because as you turn 65, you are required to enroll in Medicare. You must enroll during a seven-month period that begins three months before you turn 65, includes your birthday month, and ends three months after you turn 65. Be aware of this timeframe because if you miss this short window, there will be a penalty. If you continue to work at age 65 and have over 20 employees, you can continue using your group coverage and won’t need to worry about enrolling until after you retire. However, if you have less than 20 employees, you will need to enroll.

There are three ways to begin this enrollment process. The first option is to go to ssa.gov, sign in with a profile, and begin your benefit enrollment process. You can also call the Social Security Administration, or go in person to speak with someone. Begin this process early so you can have a smooth start to retirement!