How to Enroll in Medicare After Age 65

If you delayed Medicare enrollment because it was advantageous to stay on a group health plan, you can use your Special Enrollment Period option to enroll.

Your next steps are dependent on whether you initially enrolled in premium-free Medicare Part A during your IEP. 

Here’s how to enroll in Medicare Part A and/or Part B after your Initial Enrollment Period (IEP) ends:

Click the video link or keep reading for step-by-step support.

If you already have Part A and just need to add Part B:

You will need to complete two paper forms and turn them in to a local Social Security office:

Application for Enrollment in Medicare Part B (Medical Insurance) [Form CMS-40B]

Complete pages 1 through 8. Don’t forget to indicate the Part B effective date on Page 12.  It must be within the next 90 days, and it must be the 1st of the month. For example, ”I would like my Part B to begin on July 1st, 2019.”

Request for Employment Information [Form CMS-L564]

Your employer will complete this form, specifically Section A pages 1-7 and Section B pages 1-5, complete with a signature at the bottom of each page. Contact your Human Resources department. 

Once both of these are completed, they must be turned in to a local Social Security office.  Here are the next steps and a few tips:

In-Person Visit:

You do not need to, nor can you, schedule an appointment at a local Social Security office just to turn in Part B enrollment forms.  You will have to be a “walk-in”.  

One way to get around this is if you also plan to enroll in Social Security retirement benefits at the same time.  In that case, you are able to schedule an in-person appointment to do both the Social Security retirement and Medicare Part B enrollments.

Turn in the forms 30-60 days prior to your requested start date.  

Avoid leaving the paperwork in the Social Security office’s drop box.  In many cases, paperwork left in them are lost.

Mail the Paperwork:

You can mail the two forms to your local Social Security office. 

If you go this route, make copies for your records and mail via USPS Priority Mail.  It will cost $6-7 to do this, but you will have a tracking number and the option to require a signature on delivery.  That way, you know when the paperwork is received. 

If you need to enroll in both Part A and Part B...

In this situation, you need to first enroll in Medicare Part A & Part B online at www.socialsecurity.gov. For a complete, step-by-step guide to online enrollment, click the links below for our extended and abridged tutorials: 

How to Enroll in Medicare Online in Less Than 10 Minutes (Detailed Version) [9 min, 13 sec]
How to Enroll in Medicare Online in Less Than 10 Minutes (Short Version) [6 min, 18 sec]


Please note: be sure to add a note in the Remarks/Comments section, specifying when you want your Part B to begin.  

Once you complete the online enrollment process, you will be contacted by phone or US mail by a representative from Social Security. 

This person will be in charge of processing your enrollment, so don’t screen the call. The Social Security representative will inform you that you need to turn in the same two forms as referenced earlier.  Then, you will need to provide them with the completed Part B enrollment forms:

– Application for Enrollment in Medicare Part B (Medical Insurance) [Form CMS-40B]

– Request for Employment Information [Form CMS-L564]

Usually, the Social Security representative will offer the option of mailing the forms directly to him or her to avoid a trip to a local Social Security office.

One final note on this scenario:  Your Part A benefits will be back-dated up to 6 months from the month you submitted the enrollment.  Your Part B will start on the date you requested, but your Part A will be a different date in the past.

And there you have it…instructions to enroll in Medicare after age 65!  

Thankfully, you don’t have to do this on your own.  At Medicare Mindset, we help our clients with this transition every day.  We can guide you from start to finish. Contact Us to get started.

Reference Links

www.medicare.gov

Medicare Enrollment Periods

Application for Enrollment in Medicare Part B (Medical Insurance) [Form CMS-40B]

Request for Employment Information [Form CMS-L564]

Neither Medicare Mindset LLC nor its agents are connected with the Federal Medicare program.