Can I collect Social Security benefits without signing up for Medicare?

Answered by 4 licensed agents

Yes, you can collect Social Security Income without signing up for Medicare so long as you have credible coverage that provides hospital, medical, and prescription coverage that meets the guideline set by Medicare.

Determining when you will retire fully from employment is the determining factor on whether or not you should apply for Medicare.

Part A enrollment is still required in most instances, but Part B, is not required if you have credible coverage on the job.

Answered by Jordan Shanbrom on August 26, 2026

Broker Licensed in CA, FL & NV

Answered by Jordan Shanbrom Medicare Insurance Agent
Yes you can as long as you are still insured on employer Group coverage. Social Security will issue no premium part A at the start of your birthday month but you may delay Part B if still employed with credible prescription and group health coverage. Social Security can also discuss with you how much your check would be if delayed vs drawing ss at 65 when eligible.

Answered by Alecia McMath on August 26, 2026

Broker Licensed in MS, AL, AR & 18 other states

Answered by Alecia McMath Medicare Insurance Agent
Yes, you can collect Social Security without signing up for Medicare, but only if you’re under 65. Once you turn 65, the rules change. If you’re already receiving Social Security at that point, you’re automatically enrolled in Medicare Part A.

Answered by Corey Bennett on August 26, 2026

Broker Licensed in IN

Answered by Corey Bennett Medicare Insurance Agent
You can collect Social Security benefits before you are 65 and you will not be eligible for Medicare. Once you turn 65 you are typically enrolled in Medicare automatically. You may decline Part B but you are required to have creditable coverage so be careful. Make sure you have coverage through an employer or through a spouse in order to avoid possible penalties.

Answered by Mark Bilgere on August 26, 2026

Broker Licensed in TX, AR, IN & LA, MN, NE & OK

Answered by Mark Bilgere Medicare Insurance Agent

Tags: Eligibility Medicare Part A Social Security

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