![]() ![]() When you complete the enrollment process, expect the card to arrive in the mail along with your Welcome to Medicare package about two weeks later. If you don’t receive Social Security benefits at 65, you’ll need to take steps to sign up for Medicare. What if I’m not receiving Social Security yet? And don’t forget to sign up for Part B no later than eight months after losing employer coverage to avoid a late enrollment penalty. Jot down your Medicare number before you return the card in case you need to use your Part A benefits before the new card arrives. You’ll receive a new card in a few weeks noting that you’re enrolled in Part A only. If you don’t want to keep Part B, check the box on the back of the Medicare card that says, “I do NOT want Part B (Medical Insurance),” sign the back of the card and send it back to Medicare. If you or your spouse is still working and you have health insurance from a company with 20 or more employees, you may not need Part B or its premiums yet. Otherwise, you may have coverage gaps and have to pay a late enrollment penalty if you sign up later. If you don’t have health insurance from your own or your spouse’s current employer, you usually need to keep Part B. You can decide whether you want to keep Part B. If you’re already receiving Social Security benefits and are enrolled in Medicare automatically, you must keep Part A coverage. What if I have Social Security but don’t want Medicare yet? Your Medicare Part B premiums, $164.90 a month in 2023, are typically deducted automatically from your Social Security benefits. Most people don’t pay premiums for Part A because they or their spouse had Medicare taxes deducted from their paychecks for at least 40 quarters of work, the equivalent of 10 years. You’re enrolled automatically in parts A and B, except in Puerto Rico, where you’re enrolled automatically only in Part A. The start date for Part A and Part B will appear on the front of the card. You can start using the card at the beginning of the month you turn 65 or the first day of the previous month if your birthday falls on the first day of the month. You’ll receive your card in the mail three months before your Medicare coverage starts. If you’re already receiving Social Security benefits at least four months before your 65th birthday, your enrollment in Medicare is automatic. What if I’m already getting Social Security benefits? Sign-up. You haven’t started receiving Social Security but want to begin Medicare at age 65.Delay. You can defer Medicare coverage if you’re getting Social Security but must take steps to do so.Automatic. You’ll get a Medicare card without additional effort if you already receive Social Security benefits.When it arrives depends on how you enroll in Medicare: ![]() You’ll receive your Medicare card in your Welcome to Medicare package. En español | That varies depending on your own circumstances. ![]()
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