How Do You Become Eligible for Medicare at 65?


Quick Answer

Most Americans immediately become eligible for Medicare when they turn age 65. What exactly needs to be done to get it set up depends on whether or not a person is receiving any Social Security or Railroad Retirement benefits.

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How Do You Become Eligible for Medicare at 65?
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Full Answer

If a person is receiving either Social Security or Railroad Retirement benefits, it is not necessary to contact anyone to receive a Medicare package. A package is sent to those who are eligible three months before their 65th birthday that explains how Medicare works and notifies them that they have been automatically signed up for both Medicare Part A and Part B.

The package comes from wherever that person is currently receiving benefits, either through Social Security or the Railroad Retirement Board. Part B is a premium benefit and can be turned down, but it should not be turned down unless a person still has insurance from a spouse, as turning this part down without it carries a hefty fine. If 65 and not receiving any benefits from the organizations mentioned, it is necessary to actively enroll In Medicare. To do this, a person must contact the local Social Security office or the local Railroad Retirement Board office for Medicare enrollment assistance.

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