by Tara Lemcke
Updated December 23, 2025
1 min read
Our goal is to give you the tools and confidence you need to improve your health and finances. Although we may receive compensation from our partner insurance companies, whom we will always identify, all opinions are our own. CoverRight Inc. and CoverRight Insurance Services Inc. (NPN: 19724057) are collectively referred to here as "CoverRight".
How to Enroll in Medicare
The Social Security Administration (SSA) is in charge of processing enrollment applications for Original Medicare (Part A and Part B) and overseeing premiums and penalties.
If you are not receiving Social Security before 65 and therefore automatically enrolled in Medicare, you can apply for Part A and Part B coverage through the Social Security Administration website: https://ssa.gov/medicare/sign-up.
Automatic Medicare Enrollment Eligibility
Depending on your current situation you may automatically be enrolled in Medicare:
- If you are turning 65 and have been receiving Social Security payments at least 4 months prior to being eligible for Medicare, you will automatically get Part A and B starting the first day of the month you turn 65. If your birthday lands on the first day of the month, then coverage will start the first day of the prior month. You will typically also receive your red, white, and blue Medicare card in the mail 3 months before your 65th birthday
- If you are turning 65 and not receiving Social Security: you will need to proactively sign up for Medicare during your Initial Enrollment Period (described below) by contacting the Social Security Administration. This includes anyone who has not been receiving Social Security for at least 4 months prior to being eligible for Medicare
- If you are under 65 and have a disability: you will automatically get Part A and B after you have received disability benefits from Social Security Disability Insurance (SSDI) for 24 months (unless you have ESRD or ALS)
What You Need to Sign Up
In order to sign up for Medicare A and B when turning 65 you should have the following items:
- Social Security Online Account (sign up here if you do not have an account)
- Social Security Number
- Basic Employment Information (such as your retirement date)
- Group health insurance information
Step-by-Step Guide
Once you have collected the information required – follow this step-by-step tutorial on how to sign up to Medicare Part A and B using the Social Security website.
If you have any questions reach out to one of CoverRight’s licensed insurance agents.
