How Do I Apply for Medicare?

Medicare is a federal health insurance program primarily for people aged 65 and older, as well as individuals with certain disabilities. If you're approaching eligibility, understanding how to apply for Medicare can help you avoid coverage gaps or penalties. In this guide, we’ll walk you through when to enroll, where to apply, what documents you’ll need, and what to do if you already have Part A and need to add Part B.

Know When You’re Eligible to Enroll

Most people become eligible for Medicare at age 65, though individuals with qualifying disabilities may qualify earlier. Your Initial Enrollment Period (IEP) starts three months before the month you turn 65, includes your birthday month, and continues for three months after. It’s important to note that missing this window could lead to penalties.

There are also Special Enrollment Periods (SEPs) for those delaying enrollment due to employer coverage, and a General Enrollment Period (GEP) each year from January 1 to March 31.

Where and How to Enroll in Medicare

You have multiple options for applying:

• Online at SSA.gov – the fastest and most convenient method

• By phone – call the Social Security Administration (SSA)

• In person – visit your local SSA office

If you’re applying online, here’s what the process typically looks like:

1. Visit SSA.gov

2. Create or log in to your “my Social Security” account

3. Complete the Medicare application form

4. Submit required documents online or by mail if requested

   
   

If you receive benefits from the Railroad Retirement Board, you should apply through their system. And if you’re already receiving Social Security benefits, you’ll usually be enrolled in Parts A and B automatically.

Required Documents for Online Applications

Before you begin the application process, make sure you have these documents ready:

• Social Security number

• Birth certificate

• Proof of U.S. citizenship or legal residency

You may also need:

• Work history and employer information (especially if applying for premium-free Part A)

• Current health insurance details

To make the process as seamless as possible, keep your documents easily accessible to help prevent delays during processing.

Adding Part B if You Already Have Part A

Many people choose to delay Part B enrollment due to existing employer health coverage. If this is you, here’s how to move forward:

• Complete Form CMS-40B (Application for Enrollment in Medicare Part B)

• Have your employer complete Form CMS-L564 (Request for Employment Information)

You can submit these forms online via the SSA portal or by mailing them to your local SSA office. If your employer has fewer than 20 employees, it’s especially important to enroll in Part B to avoid losing coverage. 

Preparing for Your Application

At Unified Health, we’re here to help simplify the process of applying for Medicare. Whether you’re just starting out or need to add Part B coverage, our licensed insurance agents can guide you through:

• Understanding enrollment periods

• Gathering the right documents

• Completing your application with confidence

Applying at the right time, with the right forms, can make a big difference in your healthcare coverage. If starting the process to apply for Medicare feels overwhelming, know that help is just a conversation away with Unified Health.

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