Medicare is a public health program that exists primarily for retired persons in the United States. There are a number of ways to enroll in Medicare depending on your personal situation. Deciding which is the most effective or easiest way for you to enroll is the first step in getting coverage.
Senior Citizen Workers
You do not need to be retired to enroll in Medicare. You can enroll in the program after you turn 65, regardless of whether or not you are working. Medicare Part A and B coverage begins on the day that you turn 65. You should receive a Medicare card in the mail approximately two months before you hit your 65th birthday. You must still enroll, however. Do this by calling your local Social Security Administration office and making an appointment.
Social Security Beneficiaries
Those receiving Social Security benefits are automatically eligible for Medicare. This applies also to those receiving benefits from the Railroad Retirement Board. These individuals are automatically enrolled in the program at age 65 -- there is no paperwork, phone calls or appointments necessary. You will receive a card approximately three months before your birthday and be eligible for benefits on the first day of the month in which you turn 65.
Disability
You do not have to be 65 years of age to enroll in Medicare if you are disabled. Anyone eligible for Railroad Retirement Board or Social Security Administration disability benefits for more than two years can enroll in Medicare. The respective administrating agency will enroll you in Medicare automatically, beginning on the first day of the 25th month that you receive benefits. The only exception is for those with Lou Gehrig's Disease, who will begin receiving benefits the first month they collect disability benefits.
Prescription Drug Benefit
Medicare Part D, also known as the prescription drug benefit, is offered privately through different insurance companies and health management organizations. Even those already enrolled in Parts A and B must enroll separately for prescription drug benefits. The Medicare website can help you find the right prescription drug benefits for you. You can also call Medicare direct for this information.
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