Medicare Enrollment FAQs

If you’re turning age 65, preparing to enroll in Medicare, or helping a loved one understand their Medicare coverage, you may have questions about where to start. Whether you're already receiving Social Security or need to take action on your own, this guide answers frequently asked questions about Medicare to help you get started with confidence. 

Where can I enroll in Medicare? 

You are automatically enrolled in Medicare Part A and Part B if you’ve been receiving Social Security or Railroad Retirement benefits for at least four months before turning age 65. 

If you are not yet receiving retirement benefits, you must sign up for Medicare. Here’s how you can enroll: 

• Visit Social Security Online 
• Call Social Security at 1-800-772-1213 (TTY: 1-800-325-0778) 
• Contact your local Social Security office 
• Railroad workers can call the Railroad Retirement Board (RRB) at 1-877-772-5772 

How long does it take to enroll in Medicare? 

Enrolling in Medicare typically takes 15 to 30 minutes. If you apply online, you’ll receive an application ID number that lets you save your progress and return later. 

Can someone help me enroll in Medicare? 

Yes. If you need help, there are many resources available: 

• You can speak with a Medicare agent or broker. 
• A trusted friend or family member can join you during the conversation. 
• To discuss personal health details, you may need to complete an authorization form. 

Learn more about who can help you enroll in Medicare. 

How do I enroll someone else in Medicare? 

To enroll in Medicare on behalf of another person, you must have legal authority, such as a power of attorney. This lets you speak to Medicare and make decisions on their behalf. 

When does Medicare coverage start? 

After you sign up, you’ll get a Welcome to Medicare packet in the mail along with your red, white and blue Medicare card. 

• If you enroll before the month you turn 65, your Medicare coverage will begin on the first day of your birth month. 
• If you enroll after your birth month, your coverage may take up to three months to start. 

If you also choose a Medicare Advantage plan, prescription drug coverage (Part D), or Medigap, your health plan will send details separately. 

Still have questions about enrolling in Medicare? 

Visit the Social Security Administration website or call 1-800-MEDICARE (1-800-633-4227) to learn more about your options. If you're thinking about a Medicare Advantage plan or prescription drug coverage, explore your choices early to avoid enrollment penalties and delays in coverage start dates.