for the First Time
Medicare Can Be Confusing, But It Doesn’t Have to Be
Some people get Part A and Part B automatically.
If you’re automatically enrolled, you’ll get your red, white and blue Medicare card in the mail 3 months before your 65th birthday or the 25th month of disability benefits. If you do nothing, you’ll keep Part B and will have to pay Part B premiums through Social Security benefits. You can choose not to keep Part B, but if you decide you want it later, you may have to wait to enroll and pay a penalty for a long as you have Part B.
If you’re already getting benefits from Social Security or the Railroad Retirement Board (RRB), you’ll automatically get Part A and Part B starting the first day of the month you turn 65. (If your birthday is on the first day of the month, Part A and Part B will start the first day of the prior month.)
If you’re under 65 and have a disability, you’ll automatically get Part A and Part B after you get disability benefits from Social Security or certain disability benefits from the RRB for 24 months.
If you have ALS, also called Lou Gehrig’s Disease, you’ll get Part A and Part B automatically the month your Social Security disability benefits begin.