How & When does one enroll, sign up for Medicare?

Part A – Hospital, usually for no premium and

Part B Doctors for around $134/month?

When can one enroll in Medicare A & B?

Graphic of when you can enroll based on turning age 65
Graphic of when you can enroll based on turning age 65  *  Publication 11036  *

When you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B.

Publication 10530 How to apply online - even if you don't want Social Security, yet


For example, if you’re eligible for Medicare when you turn 65, you can sign up during the 7-month period that:

  • Begins 3 months before the month you turn 65
  • Includes the month you turn 65
  • Ends 3 months after the month you turn 65

If you have to buy Part A and/or Part B, you can only sign up during a valid enrollment period.


If you wait until the month you turn 65 (or the 3 months after you turn 65) to enroll, your Part B coverage will be delayed. This could cause a gap in your coverage.

In most cases, if you don’t sign up for Medicare Part B when you’re first eligible, you’ll have to pay a late enrollment penalty. You’ll have to pay this penalty for as long as you have Part B and could have a gap in your health coverage.

Find out when you’re eligible for Medicare.

The best time to sign up is 3 months before your 65th birthday and coverage will start on the 1st of the month of your birthday.   Be sure to let your prior carrier know at least 30 days in advance.  Especially if it's Covered CA!  That way you don't have double premiums and duplicate coverage.

Once you enroll in Parts A & B, you are then eligible to get a Medi Gap Plan and part D Rx or Medicare Advantage (HMO) to fill in the gaps that Medicare doesn't pay.  Please note that prescription drug coverage is mandatory with a penalty when you eventually sign up, if you didn't  sign up when you are supposed to.

When will Medicare start – be effective?

Your coverage start date depends on your birthday if both of these apply:

Your coverage starts the first day of the month you turn 65, unless your birthday is on the first day of the month.

If you don’t sign up early, you get penalized!

If you sign up for Part A (if you have to buy it) and/or Part B in this month: Your coverage starts:
The month you turn 65 1 month after you sign up
1 month after you turn 65 2 months after you sign up
2 months after you turn 65 3 months after you sign up
3 months after you turn 65 3 months after you sign up
During the January 1–March 31 General Enrollment Period July 1

Anthem Blue Cross Authroized agent

Authorized Blue Cross Anthem Agent # GFKGQSJSRZ
Blue Cross pays us, no charge to you
Instant Enrollment & Full Information

Click here to set a phone, skype or face to face complementary consultation 

Official Medicare Enrollment Site

Official Medicare Enrollment Site  *  If you have Part A and only need Part B – use this form  OMB No. 0938-1230 

Should you start taking Social Security too?

Blue Shield Authorized Agent
No extra charge to you -
Click to learn more and enroll online


Paper Application  * Short Form - Transfers  65 Insipre, Plus, Choice & Trio
Medi Gap 

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Get Plan Documents 
Be sure though to use THIS link to enroll, so we get paid for helping you!

Resources & Links

Medicare has  done an excellent job of explaining how and when to enroll in their:

Guide Medicare & You,

Publication 11036 Enrolling in Parts A & B,

Welcome to Medicare for those who get Part A Automatically # 11095

CA Health Line 10.27.2016

Washington Post on how to figure out Medicare and choose the correct plan


Information you need to have to apply for Medicare or Social Security  

Medicare and You 2020 #10050  
Everything you want to know 

Medicare and you

Different Parts of Medicare 

A = Hospital
B = Doctor Visits - Out Patient
C = Medicare Advantage or Medi Gap
D = Part D Rx


Understanding your Medicare Choices
Medi Gap vs Medicare Advantage

Medicare & You - Online


How to sign up for Parts A & B
Is  your test, service, or item covered?
Original Medicare Parts A & B
Medicare Advantage Plans & Part D Rx
Supplement Insurance (Medigap)
Low Income Help  LIS

Enroll in Blue Cross

Enroll in Blue Shield 

Don't like computers?
Prefer a printed version be mailed to you?
Audio MP 3

Use our scheduler to Set a phone, Skype or Face to Face meeting
Intake Form - We can better prepare for the meeting

23 comments on “Enrollment into Part A Hospital & B Doctor Visits

  1. My husband turns 65 in November. I’m 61. How does that affect my Covered CA coverage and subsidies? How does that affect our MAGI income? All the income is in his name! Does that mean I’ll have to be on Medi Cal as I won’t show any income?

  2. Because my 65th birthday is 10/17/2019, today I submitted an online application for Medicare.

    What’s next?

  3. I turn 65 in July. I just applied for Social Security and have received two checks so far. Will I be automatically enrolled into Medicare?

  4. I applied for Medicare, but they are asking for tons of extra paperwork. Will my effective date still be my birthday month or will their scrutiny make it take longer?

  5. My wife needs health insurance from Medicare.

    She’s 65 years old us citizen but still working.

    Social security can’t support her due to over the limit income.

  6. I’m interested in getting Medicare at 63 years old. I have MS and have been told I’m eligible at 63. Is that true?

  7. I need Medicare Coverage for April 1st.

    1. What is the deadline to turn in my paper application or do it online?

    2. If I apply say March 31st, will coverage start April 1st, even though I haven’t been notified?

    • Part A Hospitalization will be effective on the first month that you are eligible for Medicare (your birthday) as long as you do it within the time frame shown above – 3 months before or after the month you turn 65 Enrolling in Medicare 11036 page 11

      Part B gets delayed a month, if you don’t sign up before your birthday month. See page 12 for chart.

      If you have a special enrollment period for Part B, coverage typically starts the month after Social Security gets your application – see page 13.

  8. Medicare was enacted in 1965. I first had it deducted from paychecks starting in 1966. I retired in 2016 so Medicare was deducted from all my earnings for 50 years.

    I finally had occasion to use my Medicare benefit getting a doctor ordered blood test in order to continue receiving medication for high blood pressure. Medicare paid a whopping $2.94. My share was only $241.84.

  9. I can’t check the SS website because it won’t let me setup an account due to the fact that when I first tried to set up an account on March 8th I didn’t answer some of the identity verification questions correctly so it locked me out indefinitely. Great, huh!

    I was able to apply at Medicare however that day and got a confirmation email.

    I tried today to call SS to reset the site so I can setup an account, and see if I’m enrolled, but the wait time was 1-1/2 hours. Great, huh!

    Any suggestions????

        • Here’s what Social Securities FAQ’s and Help screens say a the bottom of the page:

          Sorry, the link broke. Try googling or just email us for the new one.

          If You Cannot Or Do Not Want To Create An Account Online

          You may be unable or unwilling to create an online account if you:

          Have blocked all electronic access to your personal information with us;
          Have recently moved or changed your name;
          Have been the victim of domestic violence or identity theft; or
          Are uncomfortable with or unable to use the online process for some other reason.
          In these cases, you may still create an account in person by visiting your local Social Security office.

          You might also just “suffer” and wait on hold, 1-800-772-1213 per their FAQ’s

  10. Hello Steve,

    1. I have coverage through my work.

    2. Will be turning 65 April 15th so need to enroll in Medicare.

    3. Any recommendations for that with the job coverage??



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