Getting Started with Medicare
When (and how) to enroll in Medicare Parts A & B
So you’re going to be turning 65, the age when most people first
become eligible for Medicare. Now what? Well, depending on your individual
situation, you may or may not have to enroll in Medicare.
Most people age 65 and older who are citizens or permanent residents of
the U.S. are eligible for Medicare Part A (hospital insurance) without
paying a monthly plan premium. You're eligible for free Medicare Part
A if you are 65 and:
- You receive or will be eligible for Social Security benefits.
- Or you receive or will be eligible for Railroad Retirement benefits.
- Or you or your spouse (living, deceased, or divorced) had employment where
Medicare taxes were paid for 40 or more quarters.
If you do not fit into any of these categories, you can still get Medicare
Part A by paying a monthly plan premium if you are a U.S. citizen or have
been lawfully admitted to the U.S. and lived here for at least five years.
You are eligible for Medicare Part B (medical insurance) if you are eligible
for Part A. Part B is optional and you usually will need to pay a premium
based on your income.
IF YOU…. Plan to retire at age 65 or are not working,
and don't already receive Social Security.
THEN …. You can enroll in Medicare benefits.
IF YOU…. Already receive Social Security retirement, disability or Railroad Retirement
THEN…. You'll be automatically enrolled in Medicare Parts A and B.
IF YOU…. Are currently covered by an employer-provided group health plan.
THEN…. Talk to your human resources department before you enroll in Medicare.
IF YOU…. Plan to continue working past age 65
THEN…. You have the option to delay enrolling in Medicare Part B—which may
affect when you can enroll in coverage in a Medicare Supplement insurance
policy, a Medicare Advantage plan or a Part D prescription drug plan.
Note: If you’re under 65 and eligible for Medicare by reason of disability
or End Stage Renal Disease, you’ll automatically get Part A and
Part B after you get disability benefits from Social Security for 24 months
or certain disability benefits from the Railroad Retirement Board for
Florida Health Care Plans is an HMO plan with a Medicare Contract. Enrollment
in Florida Health Care Plans depends on contract renewal. Medicare beneficiaries
may also enroll in Florida Health Care Plans through the CMS Medicare
Online Enrollment Center located at
Page Last Updated: 10/03/17