I am on disability insurance Medicare now I will be 65 in October do I have to to sign up for Medicare again?

Question

Leslie Kaz · Accepted Answer

Since you’re already on Medicare due to disability insurance and will turn 65 in October 2025, you do not need to sign up for Medicare again. When you turn 65, your Medicare coverage will continue seamlessly, but your eligibility reason shifts from disability to age. This happens automatically—no need to reapply.

Answered by Leslie Kaz on April 28, 2025

Agent Licensed in CA, AL, AZ & 7 other states

Answered by Leslie Kaz Medicare Insurance Agent

Gary Church · Answer

No, you should be automatically enrolled in Original Medicare. I would recommend meeting with a licensed Medicare agent to review your options.

Steve and Sue Brauer · Answer

Thanks for watching. So the question is, this person is on disability and they're on their Medicare right now, at least for Part A. And they're wondering if they have to sign up again when their 65th birthday comes. The answer to that is no. If you're already on Social Security, you've been deemed disabled. Usually, that takes 24 months and a doctor has to sign off. Once you're into that, they will automatically enroll you into Part B the first of the month of your birth month when you turn 65. That's typically an auto-enrollment. I would make sure that that's done though, but typically that's how it happens. It's kind of a seamless process.

Mark Bilgere · Answer

You are not required to sign up again, however you are given the opportunity to enroll again. This opportunity can be worthwhile since it gives you a guaranteed issue period to enroll in a Medicare Supplement without competing the underwriting. This could be advantageous since you have preexisting conditions that would normally cause you to be declined from a Medicare Supplement.

Answered by Mark Bilgere on September 9, 2025

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

Answered by Mark Bilgere Medicare Insurance Agent

Daniel Brechin · Answer

The answer is no.   You do have an election if you want to make a change, and it will become effective on the first day of your birthday month date.

Danny Brechin
Contact me.

Lt Col Tim Brown · Answer

No, you do not. But you will have an election that will allow you to pick a dual eligible plan at no cost to you that will add many good benefits, or you can change one plan to another. That would certainly be worth looking into. Please contact me.

Answered by Lt Col Tim Brown on July 8, 2025

Broker Licensed in TN, AL, CO & 10 other states

Answered by Lt Col Tim Brown Medicare Insurance Agent

Christopher Boyd · Answer

This is a common question. Under the age of 65, you may be enrolled in a Medicare Advantage Plan or your State Medicaid Program. Some states allow Medicare beneficiaries under 65 to sign up for a Medicare Supplement, while many states do not allow this. When you turn 65, if you are still entitled to your State Medicaid Program, that plan will continue to cover your expenses. If you were never eligible, or will no longer be eligible for Medicaid when you turn 65, you will be eligible to join a Medicare Part D Drug Plan and a Medicare Supplement and leave the Medicare Advantage Plan. Many disabled Medicare beneficiaries chose to get a Medicare Supplement for much lower out-of-pocket costs and the removal of network restrictions for healthcare providers and hospitals.

Answered by Christopher Boyd on September 13, 2025

Agent Licensed in IN, KY, MI, OH, PA & TN

Answered by Christopher Boyd Medicare Insurance Agent

Mark Maliwauki · Answer

If you already have a Red White and Blue Medicare card with Part A and Part B, you do not need to sign up for Medicare again when you reach 65. You will have been awarded Medicare early because of your disability most likely.

Answered by Mark Maliwauki on June 9, 2025

Broker Licensed in ID, AZ, CA & 13 other states

Answered by Mark Maliwauki Medicare Insurance Agent

Ann Sanfelippo · Answer

If you already have Medicare because of disability, you do not have to sign up for Medicare again when you turn 65. Your Part A and Part B will automatically continue, and you’ll transition from disability Medicare to age-based Medicare. However, turning 65 gives you a new enrollment opportunity to change plans, such as switching Medicare Advantage plans or enrolling in a Medigap plan without medical underwriting. It’s a good idea to review your coverage at that time to be sure it still fits your needs.

Answered by Ann Sanfelippo on January 14, 2026

Broker Licensed in FL, AL, AZ & 14 other states

Answered by Ann Sanfelippo Medicare Insurance Agent

Bill Wheeler · Answer

No, you do not need to sign up for Medicare again when you turn 65 if you are already receiving it due to disability.

Charise Karjala · Answer

Love this question. I'm disabled, I'm under 65, but I'm gonna be turning 65 soon. Do I have to reapply for Medicare? No, you just roll right over. It just rolls right over. You won't be issued a new Medicare ID number. I've had some people who lost their Medicare two months before their Medicare 65 age, which is just an organizational snafu, if you will. Because how do you become un-disabled when you're 64 and three quarters? It's just a ridiculous thing. However, that's not the question. The question is, what happens? Well, number one is that you still get Medicare, but you get an open enrollment period, another initial election period, which is when you're newly eligible. This means for those of you who couldn't afford a Plan F or a G when you first got onto Medicare as an under-65-year-old, because those policies are $350 to $500 a month, you can now go and get one for as low as maybe $150 to $200 a month. And these are those Boujee plans that pay for everything. One little deductible, no co-pays. Every provider in the country that accepts Medicare is in network. That is a beautiful thing. So I hope you'll consider that as an option. My name is Charise Karjala. I work out of Palm Desert, California. Please reach out to me, and I will have a coffee with you by phone or in person.

John Becker · Answer

What happens when you turn 65

Automatic enrollment: You will be automatically enrolled in Medicare Part A and Part B. If your birthday is on the first of the month, your coverage will start the first day of the previous month.

New options: You can now enroll in a Medigap (Medicare Supplement Insurance) plan or a Medicare Advantage plan if you choose to. You may also want to enroll in a Part D prescription drug plan.

Important decisions: You will need to decide on your coverage for prescription drugs and whether you want to switch from your current Medicare coverage to a Medicare Advantage plan. 

Important considerations
Review your options: Even though you don't have to re-enroll, it's a good idea to review your current Medicare coverage and see if there are better options available as you approach your 65th birthday.

Enrollment period: Your 65th birthday marks the beginning of a new Initial Enrollment Period (IEP) for your age, which lasts for seven months. This is your opportunity to make changes or additions to your coverage without penalty.

Ray McCauley · Answer

although you dont have to sign up again.  you will have another opportunity to change plans as a special enrollment period

Clarence &quot;Mark&quot; Christiansen · Answer

The good news here is you will not have to enroll in Medicare a second time. Once you're in, your're in. Just make sure to pay your monthly Medicare Part B premiums if they are not currently auto-deducted from your Social Security benefit payment.

Answered by Clarence "Mark" Christiansen on April 7, 2026

Agent Licensed in WI, AZ, CA & 16 other states

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent

Nikki Rowland · Answer

You will not have to sign up again. However, you will have different options that weren't available to you being under 65. I highly suggest speaking with someone to see those new options.

Richard Moreno · Answer

No, you won’t have to but it will transition from disability to aged Medicare. You will also have the option to change plans when you turn 65 if you want to. You will still have an Initial enrollment period for turning 65.

Answered by Richard Moreno on May 31, 2025

Broker Licensed in TX, CA, FL, LA, NM & OH

Answered by Richard Moreno Medicare Insurance Agent

Kelsey Hentzen · Answer

No you can keep your same Medicare plan, however, it is always good option to meet with a broker to ensure you are on the best plan.

James Carlson · Answer

it should not be necessary, since your disability income is the same benefit available to a 65 and a younger Medicare client based on SS income benefits.

Sandra Teel · Answer

No, you do not have to sign up for Medicare. You will have a 6-month opportunity, starting in October, to enroll in a Medicare Supplement plan with no health questions asked. Your acceptance is guaranteed.

Answered by Steve Adlman on January 19, 2026

Broker Licensed in AL

Answered by Steve Adlman Medicare Insurance Agent

Sherry Rose · Answer

You do not have to sign up for Medicare again - your Medicare shifts from "disability-based" to "age-based" when you turn 65. You do have the opportunity to make changes in the enrollment period like looking at supplement or advantage plans. If you would like to review the options, reach out to a local agent.

Answered by Harshil Patel on February 14, 2026

Broker Licensed in NJ

Answered by Harshil Patel Medicare Insurance Agent

Jason Denniston · Answer

There’s no need to reapply for Medicare at 65 if you’re already on it due to disability. But turning 65 opens the door to more plan choices, especially with supplements, and sometimes better rates. It also resets any late enrollment penalties, which makes this a really important time to review your coverage.

Answered by Jason Denniston on April 27, 2026

Broker Licensed in IN, CO, FL & 10 other states

Answered by Jason Denniston Medicare Insurance Agent

Kate Spilsbury · Answer

if you’re already on Medicare due to disability, you won’t need to reapply when you turn 65. Your coverage will automatically continue, but this milestone does open up a new enrollment window to make changes, like adding a Medigap or switching to a different Medicare Advantage or Part D plan. It’s a great time to review your options, and my team can help you make sure you’re in the best spot going

Answered by Kate Spilsbury on October 20, 2025

Broker Licensed in FL, AZ, CA & 7 other states

Answered by Kate Spilsbury Medicare Insurance Agent

Mitch Anderson · Answer

You do not need to sign up for Medicare again. You will, however, qualify for a second initial enrollment period which allows you to change your plan without underwriting (Medigap).

Mary Turner · Answer

If you are already on Medicare due to disability you do not need to sign up for Medicare when you turn 65. However, you do have the opportunity to change your plan or obtain a Medicare supplement (Medigap) plan at the same cost as anyone turning 65 without answering health questions during your enrollment period.

Answered by Mary Turner on October 8, 2025

Broker Licensed in FL

Answered by Mary Turner Medicare Insurance Agent

Joanna Finnegan · Answer

No, you do not need to sign up for Medicare again. You will however, be in a new enrollment period because you are turning 65. During this time you can sign up for a Medicare supplement plan without having to answer medical questions. You can also look at your Medicare advantage plan options. I would be happy to go over both Medicare advantage and Medicare supplement plan options with you.

Answered by Joanna Finnegan on August 12, 2025

Broker Licensed in ID, AR, AZ & 31 other states

Answered by Joanna Finnegan Medicare Insurance Agent

Steve Adlman · Answer

No, you do not have to sign up for Medicare. You will have a 6-month opportunity, starting in October, to enroll in a Medicare Supplement plan with no health questions asked. Your acceptance is guaranteed.

Answered by Steve Adlman on January 19, 2026

Broker Licensed in AL

Dustin Haffner · Answer

No — you do NOT have to re-enroll in Medicare Part A or Part B.

If you already have:

Part A (Hospital)

Part B (Medical)

They automatically continue when you turn 65.

Jennifer Sigman · Answer

If you are already on Medicare, then you would not need to sign up again. You are currently on Part A and Part B due to the disability, when you turn 65 your Medicare should automatically transition in the "aged based" Medicare.

Answered by Jennifer Sigman on April 6, 2026

Broker Licensed in OH, AL, IA & 12 other states

Answered by Jennifer Sigman Medicare Insurance Agent

Tom Kowalczyk · Answer

You do not need to sign up for Medicare again if you already have both Medicare part A and Medicare part B. 

Now that you are turning 65, you are entitled to your second eligibility period which provides you some guaranteed issue rights.  This is an important time to review your health and prescription coverage options and make any changes you feel necessary.

Talk with a local independent health insurance broker to understand your situation.

Jane Ahrens · Answer

No, you do not, but turning 65 gives you a special enrollment period (qualification) to switch to a different Medicare plan if you want to.

Medicare Melanie · Answer

When turning 65, after being on disability, there tends to be a lot of confusion on what steps need to be taken. The most important step is a consultation with a trusted broker, such as licensed agent Medicare Melanie's team. Barring extreme circumstances, you do not need to sign up for Medicare again, but you absolutely should revaluate your options because you now have more options than you did on disability. 

One of your options now is a Medicare Supplement. While it would have been possible for you to get a Medicare Supplement when you first went on disability, the companies would have significantly up charged you (Upwards of $1000 per month) Now that you are turning 65, you will pay the normal rates that everyone turning 65 will pay and you'll have the incredible freedom and flexibility that comes with Traditional Medicare. 

Thank you,
Melanie (904) 497 - 0610

Jorge Magana · Answer

No you don't need to sign up for medicare again. You only sign up for medicare once. Even if they mail a new card 3 months before every thing stays the same.

Harshil Patel · Answer

You do not have to sign up for Medicare again - your Medicare shifts from "disability-based" to "age-based" when you turn 65. You do have the opportunity to make changes in the enrollment period like looking at supplement or advantage plans. If you would like to review the options, reach out to a local agent.

Answered by Harshil Patel on February 14, 2026

Broker Licensed in NJ

Shane Bullock · Answer

If you are already enrolled in Medicare Part A and Part B when you turn 65 because you qualified for it at a younger age, you do not have to re-enroll when you turn 65.

One thing that is often missed is what's known as your Medigap open enrollment period. This is a once in a lifetime 6-month period to enroll in any Medicare supplement (Medigap) plan and they cannot deny you based on your health or pre-existing conditions. This open enrollment period begins the first month you have Medicare Part B AND you are 65 or older. Please work with an agent to determine if you should take advantage of this window, because you will only have it once.

Karen Moore · Answer

You do not have to re enroll into Medicare Part A and B when you turn 65 if you are already enrolled. You will however have another opportunity to enroll into a Medicare Advantage plan as you will be in a ICEP election period. Additionally you can enroll into a Medicare Supplement plan as you will be in a Medigap Open Enrollment period.

Donna Walbert · Answer

Medicare beneficiaries under the age of 65 either have been diagnosed with end stage renal disease, ALS or has collected social security disability income for 24 months granting them to be enrolled in Medicare Parts A and B. Medicare supplements (to fill the gaps of original medicare) are costly, so it is more common to see underage medicare beneficiaries select a private medicare advantage plan prior to turning 65. Individual(s) on medicare prior to their 65th birthday do not need to sign-up for medicare again. However, it is important to note that they are granted guarantee issue at 65 (no medical underwriting) and have the option to select either a medicare supplement or a different medicare advantage carrier.

Answered by Donna Walbert on August 26, 2025

Broker Licensed in WI, CO, FL & 8 other states

Answered by Donna Walbert Medicare Insurance Agent

DeVin LeMay · Answer

You don’t have to reapply for Medicare itself, but turning 65 opens new options to review your coverage and possibly make changes. Its always a good idea to review your plan or reach out to a professional with questions.

Answered by DeVin LeMay on November 3, 2025

Agent Licensed in MA

Answered by DeVin LeMay Medicare Insurance Agent

Morris Johnson · Answer

No, you do not have to enroll into Medicare partA or B again. But you are eligible for open enrollment. If you would like to make a change to your supplemental insurance or if you have a Medicare advantage, I want to change a prescription drug plan.

Answered by Morris Johnson on April 29, 2025

Agent Licensed in KS

Answered by Morris Johnson Medicare Insurance Agent

Olivia Kolbe · Answer

Your Medicare will automatically convert from “disability Medicare” to “age-based Medicare” at 65.
* You typically keep the same:
    * Medicare number
    * Part A
    * Part B
* You should receive a new Medicare card around your 65th birthday, but many people keep the same card.

Jon Schwenker · Answer

You do not need to re-enroll. If you're already on Medicare because of a disability, you don't need to re-enroll again when you turn 65.

Michael Pino · Answer

Good Afternoon,

If you are already on Medicare prior to 65, you do not need to sign up again. Supplement plans do change year to year, if you do have one. That is an area that I can review with you to make sure that you are situated in the best plan possible. 

Please reach out to me, so we can talk further. 

Sincerely, 
Michael Pino
Pino Insurance Group

Steven Bleicher · Answer

When you were approved for a disability and 24 months elapsed, no matter your age, you became entitled to Medicare with the card showing the dates of when Part A (In-patient hospital) and Part B, (Outpatient) became effective with a random series of letters & numbers known as an MBI number or your “Medicare Beneficiary Identifier”. Though you may not have known this, you were only permitted to acquire the free (govt-subsidized) Advantage plan (Part C) with drug coverage with a steep deductible. But 3 months before you are about to turn age 65, you are then entitled to get the better Medicare Supplement (with a monthly premium), aka, a Medigap, along with a Part D(rug) plan usually with a small premium. S, since you already have the red, white and blue Medicare card, there is no need to sign up again. You now must carry the Medicare card, your Supplement card and the Part D card in your wallet wherever you go, especially for emergency purposes.

Answered by Steven Bleicher on June 2, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

If your Original Medicare for Part A & Part B is active, then no you do not. If your not sure if your sure, please call 1800Medicare. You do have an Open Enrollment the Month you turn Age 65. Please use a Broker for assistance. 

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Steve Houchens · Answer

No you don’t have to sign up again but since you are aging in you will have a new guaranteed issue enrollment. If you choose to enroll in a Medicare supplement plan. You can check all your options and see what is the best for you to do.

Answered by Steve Houchens on July 22, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Timothy Brown · Answer

No. You don’t have to sign up again but what you will get is a second IEP (Initial Enrollment Period) because you’re aging in/turning 65. You can change plans in October if you’d like or keep the same coverage.

Answered by Timothy Brown on May 16, 2025

Broker Licensed in PA, CT, DE & 15 other states

Answered by Timothy Brown Medicare Insurance Agent

Ron Cronwell · Answer

Since you are receiving Social Security payments, you qualify for an automatic enrollment in part A and Part B of Medicare. You should receive your Medicare card about 2 months before your birthday month. The effective date should be the first day of the month in which you turn 65. The exception is if your birthday falls on the first of the month, then your Medicare effective date is the month before.

If on disability you already have a Medicare card with A and B, the you have a special enrollment option begin again.

Kristen Skinner · Answer

No you do not have to sign up for medicare again. But you do have the option to change to a Medigap Plan. Which is different than the Medicare Advantage plan. So just make sure if you want to change to that plan you can. Plus you have your original 7 month IEP , so you can change to any other advantage plan at that time without having to be in the AEP. Plus, you can go back to original medicare.

Answered by Kristen Skinner on November 3, 2025

Broker Licensed in OK

Answered by Kristen Skinner Medicare Insurance Agent

Priscilla Ramos · Answer

No, you generally don’t need to sign up again. If you’re already on Medicare due to disability, your coverage continues automatically at 65.

Walt Smith · Answer

No, you do not have to sign up for Medicare. You will have a 6-month opportunity, starting in October, to enroll in a Medicare Supplement plan with no health questions asked. Your acceptance is guaranteed.

Answered by Steve Adlman on January 19, 2026

Broker Licensed in AL

Nick Sarant · Answer

You never signed up for Medicare. You were approved for SSI thru a disability. At 65 you’re automatically enrolled in Medicare Part A. You must enroll in part B. Otherwise all your Medicare entitlements will transfer over to original Medicare. I don’t think u ever had Medicare just SSI which is a monetary benefit. Unless on SSI for 24 months you qualify for Medicare.

Answered by Nick Sarant on March 4, 2026

Agent Licensed in SC

Answered by Nick Sarant Medicare Insurance Agent

Marnie Applegate · Answer

No, your eligibility shifts from disability based to age based but you maintain your Medicare coverage with the need to re-enroll. You do have a new opportunity during your initial enrollment period to re-evaluate and make any changes to your plan (part d or part C).

Answered by Marnie Applegate on October 26, 2025

Agent Licensed in TN, AL, GA & TX

Answered by Marnie Applegate Medicare Insurance Agent

Deb Haley · Answer

If you currently have Medicare because you have been disabled, when you turn 65 you do not have to choose a new Medicare plan or re-enroll in Medicare. However you do have a special enrollment period to do that if you would like to pick a new plan.

Answered by Deb Haley on October 13, 2025

Broker Licensed in MA, AZ, CA & 11 other states

Answered by Deb Haley Medicare Insurance Agent

Erlynne (Elle) Massie · Answer

Great question!

Short answer - no. You are already on Medicare, so you will simply continue.

However... VERY important note. If you're within your 65th birthday window of 3 months before, the month of, and 3 months after your birthday, you have 2 opportunities:

1. Change Medicare Advantage plans in a Special Enrollment Period granted during your Initial Enrollment Period SEP.

2. A Guaranteed Issue opportunity to enroll into a Medicare Supplement (Medigap) policy *without health underwriting* and usually at a much lower premium than before turning 65.

That is a huge deal for many people, and it's generally only available once in their lifetime, during that 7 month turning-65 eligibility window.

I have experienced some deeply moving experiences as a Medicare agent throughout my career, when my clients on disability became newly eligible for a Medicare Supplement plan, and were able to enroll into it without health questions, and much, much lower premiums than before their 65th birthday. 

Four of them had cancer.

Three of them had heart disease.

Two of them were on the transplant list for kidney or liver.

One of them had dementia.

Seven of them had a degenerative condition such as rheumatoid arthritis, multiple sclerosis or lupus.

The number continues to grow. It moves my heart to be able to do this for my clients.

Please reach out to me at the contact information in my listing, if you'd like to evaluate your Medicare Supplement or Medicare Advantage options.

Mal Varlack · Answer

No, you don't have to sign up for Medicare again when you turn 65. Since you are receiving it because of the disability. But at 65 you may have other options, liek switching a plan or Medicare Supplements. Always a great idea to review what you have now with a broker who will go over your options.

Answered by Mal Varlack on April 26, 2025

Broker Licensed in FL, AZ, GA & 11 other states

Answered by Mal Varlack Medicare Insurance Agent

Shalonda Cave · Answer

You generally don’t need to re-enroll in Medicare when you turn 65 since you’re already enrolled through disability insurance. However, you’ll enter your Initial Enrollment Period for Medicare based on age. Review your existing coverage to ensure it meets your needs. Consider enrolling in additional parts like Part B (Medical Insurance) if you previously declined it, Part D (Prescription Drug Coverage) to cover medications, or Medigap or Medicare Advantage Plans if they could benefit you.

Answered by Shalonda Cave on December 29, 2025

Agent Licensed in OH, AZ & FL

Answered by Shalonda Cave Medicare Insurance Agent

Paul Wyatt · Answer

No, if you are already enrolled into Medicare then you do not have to re-sign up. However, depending on your plan selections and the state you reside in you may have new options available to you now that you're turning 65.

Answered by Paul Wyatt on May 19, 2026

Broker Licensed in TN, KY & MS

Answered by Paul Wyatt Medicare Insurance Agent

Nancy Courser · Answer

No, you do not need to re-enroll again in Medicare. You will retain the same Part A and Part B and Medicare ID #. You are granted a special enrollment (assuming you have Part A & B today) to enroll in a different Medicare Advantage plan or join a Medigap & Part D prescription drug plan. New plans - if chosen will be effective 10/1/2025. If you decide to stay with the same supplemental plans, they will automatically continue - no action needed on your part.

Answered by Nancy Courser on July 14, 2025

Agent Licensed in MI, FL & TN

Answered by Nancy Courser Medicare Insurance Agent

Eduardo Camacho · Answer

The answer is No,  you are already enrolled in Medicare and your case will continue without you having to Re--certify or Re-apply.

Nancy Suozzi-Vidal · Answer

No you do not need to reenroll in Medicare. You will automatically transition to age-based Medicare. You do have a new enrollment period available to you for Medicare plans. Typically your disability will change to social security benefits.

Answered by Nancy Suozzi-Vidal on August 1, 2025

Broker Licensed in NY & CT

Answered by Nancy Suozzi-Vidal Medicare Insurance Agent

Niels Heemskerk · Answer

You do not have to re-sign up, but it maybe a good time to review your current plan and see what's available. You have a new Initial enrollment period and can chose any plan without medical questions the 3 months before your 65th birthday, your birthday month, and 3 months after your birthday month. Speak with a reputable insurance agent to help find the right solution for you.

Answered by Niels Heemskerk on October 13, 2025

Agent Licensed in IL, MI, OH, PA, TX & WI

Answered by Niels Heemskerk Medicare Insurance Agent

Vachik Chakhbazian · Answer

No, you do not need to sign up for Medicare again when you turn 65 if you are already receiving it based on disability benefits. Your Medicare coverage will continue without interruption.

Gary Henderson · Answer

No if you're already on Medicare, you don't have to sign up for Medicare again at age 65 
You do however, have a free pass to join a Medicare supplement plan without any medical background checks which has excellent coverage 
So that is something I strongly suggest you consider based upon affordability

Mary Brown · Answer

No,  if you’re already on Medicare due to disability, you don’t need to sign up again at 65. Your coverage automatically continues, and you’ll keep your Parts A & B without interruption.

Andrew Kramer · Answer

No, you do not. However, you can change whatever plan you are on. It becomes a second enrollment period for you. And at age 65, the cost of buying a Medicare supplement goes way down, if you choose that route.

Answered by Andrew Kramer on June 2, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Carol Thompson · Answer

You are on SSDI - Social Security Disability Insurance, that is processed through Social Security Administration.  Due to you being on a form of Social Security (SSDI) you will show up in the Social Security Administration system. 
IF you worked and paid into SS and Medicare for 10 years or more and earned 30 credits toward Medicare then you should receive your Medicare card without applying for it. You will need to have both Parts A & B for most plans.

Mark Boone · Answer

No, you do not have to sign up for Medicare again however you’ll have a one time opportunity to sign up for Medicare supplement without any medical questions. That is something you should think about based on your own personal situation.

Answered by Walt Smith on March 2, 2026

Agent Licensed in NJ, NY, PA & VA

Answered by Walt Smith Medicare Insurance Agent

Todd Bostic · Answer

You don’t need to sign up for Medicare again because you will automatically be enrolled into Medicare again

Dean Chiapetto · Answer

No, you don't have to sign up again. You will have more options that can possibly save you money. You have another open enrollment period once you turn 65.

Carol Conner · Answer

Yes and no. Not part A but yes for  part B and then you will become dual eligible and need to look at plans for that which could be CSNP, DSNP, and will be a hmo or pop

Eizel Mere · Answer

No, you continue to use the same Medicare card. When turning 65 yrs old you will be guaranteed issue for a Medicare supplement plan. It is a good idea to seat with an agent to go over options. Feel free to contact me.

Answered by Eizel Mere on April 28, 2025

Broker Licensed in FL

Answered by Eizel Mere Medicare Insurance Agent

Joseph Peck · Answer

No, you dont have to resign but you have options available to you when you turn 65 that were not available before.

Gary Haft · Answer

No - If you are on Medicare Disability prior to age 65, then you have another chance at a guaranteed issue of a Medicare Supplement at age 65. Those on Medicare Disability realize the cost of a Medicare Supplement is very expensive and most people will take out a Medicare Advantage Plan (as long as you have both Medicare Parts A & B) where it is more affordable but not necessarily the best choice for insurance.

Answered by Gary Haft on May 26, 2025

Agent Licensed in FL, AL, DC & 9 other states

Answered by Gary Haft Medicare Insurance Agent

Michelle Ryan · Answer

No you do not. It will automatically convert to regular Medicare. However all of your initial enrollment options open back up. So if you wanted a supplement and nodded your guaranteed issue right, you have another one bite that you are 65 and in regular Medicare and not disability.

Answered by Michelle Ryan on December 15, 2025

Broker Licensed in GA, AL, CO & FL, NC, SC & TN

Answered by Michelle Ryan Medicare Insurance Agent

John Messler · Answer

If you were on disability and already on Medicare prior to age 65 you don’t have to do anything different upon your birthday. Every year at the AEP you do have the option to look at your plans and consider your options.

Answered by John Messler on September 30, 2025

Agent Licensed in NH, ME, NC, OH, PA & TX

Answered by John Messler Medicare Insurance Agent

Mark Murphy · Answer

No, you do not have to sign up for Medicare. You will have a 6-month opportunity, starting in October, to enroll in a Medicare Supplement plan with no health questions asked. Your acceptance is guaranteed.

Answered by Steve Adlman on January 19, 2026

Broker Licensed in AL

Jeremy Watson · Answer

If you are on Medicare via disability, you do not need to re-enroll into Medicare. However, you do get certain enrollment rights during you "turning 65" open enrollment period that you were previously not eligible for based on being under 65.

Answered by Jeremy Watson on July 30, 2025

Broker Licensed in IN, FL, KY & MI, OH, SC & TN

Answered by Jeremy Watson Medicare Insurance Agent

Adam Paul · Answer

If you already have your Medicare red white and blue card with parts A and B, you do not have to renew that. However, if you are looking to enroll on a Medicare advantage, Medicare supplement plan, or stand-alone prescription drug plan, that will renew automatically, as well. From October 15 until December 7 you have the opportunity to enroll on one of those plans I mentioned above. I can certainly help you with these if necessary.

Answered by Adam Paul on October 16, 2025

Broker Licensed in CA, NV, OK & OR

Answered by Adam Paul Medicare Insurance Agent

Claudia Englert · Answer

No. You don’t need to sign up for Medicare again. You are already in the Medicare system but you may want to change your plan and can as you are entitled to your Initial Election Period 
to select a plan.

Ingrid Kollmann · Answer

No.  Your Medicare coverage will continue uninterrupted, but your entitlement will shift from disability to age.

Tony Hardwick · Answer

If you already have disability Medicare you don't have to re-enroll. Turning 65 will allow you to make changes to your current coverage since you will qualify for a new Initial Enrollment Period. This period starts 3 months before your 65th birthday and continues until 3 months after.

Answered by Tony Hardwick on April 28, 2025

Broker Licensed in GA, AL, AR & 32 other states

Answered by Tony Hardwick Medicare Insurance Agent

Jerry Cohen · Answer

yWhen you have Medicare based on a disability and turn 65, you'll have continuous coverage with no interruption. At 65, the reason for Medicare entitlement changes from disability to age, and you get another IEP. This 7-month IEP starts 3 months before the month you turn 65 and ends 3 months after you turn 65.

Answered by Jerry Cohen on May 12, 2025

Broker Licensed in NY

Answered by Jerry Cohen Medicare Insurance Agent

Nora Alishahi · Answer

As long as your disability is current in October, you don't have to apply. You may have more options when you turn 65

Robert Evans · Answer

No you do not need to sign up again. However I do suggest you talk with an agent to see what changes if any are being made to ensure your plan still provides you the benefits you need.

Jim Carroll · Answer

Here are several scenarios to your benefit:

1. If you are on a Medicare Medicaid Dual Special Needs Plan now, your coverage will continue seamlessly.

2. If you have a Chronic Condition that's listed on the CMS website, you are eligible Right Now to enroll in a Chronic Condition Special Needs plan (C-SNPs). I can help you with that.


3. Also, if you have a Dual Eligible Special Needs Plan (D-SNP) available in your area, you can make changes to your coverage once a calendar month, which will go into effect ton he 1st day of the following month.

Dennis Sullivan · Answer

No you don't not. When you were granted medicare parts A and B after 24 consecutive months that carries over. I would however call social security as you should now receive ssa rather than ssdi and there should be a difference in your monthly check...

William Wheatley · Answer

No you do not have to sign up again because you are already enrolled due to a disability. Your coverage will continue seamlessly. You will have an opportunity to make changes to your plan during your IEP Initial Enrollment Period. This is 3 months prior to your 65th birthday and three months after your birthday. Turning 65 just means the reason for your Medicare changes to age and not a disability. Options to consider Joining Medicare Advantage plan Part C. Adding a Prescription Drug Plan part D, which you should do to avoid a penalty later if you enroll in a drug plan later. But again this is not required . You may already have a drug plan. The last option to consider is a supplement plan called Medi-Gap plan to offset out of pocket expenses.

Jajuan Knox · Answer

If you’re already on Medicare because of disability, you don’t have to sign up again when you turn 65 your coverage will just continue automatically. Turning 65 is a good time to review your options, though, in case you want to switch to a Medicare Advantage plan or add a Medigap policy, but there’s no requirement to re-enroll.

Humara Riaz · Answer

If you’re already on Medicare due to disability, you do not need to reapply when you turn 65.

 What You Can Do at 65:

Change or Enroll in a Medicare Advantage Plan (Part C)
If you want a plan that bundles hospital, medical, and often drug coverage (and extras like dental), you can switch now with no penalty.

Randy Hill · Answer

Since you’re already on Medicare because of disability, when you turn 65, you don’t have to start over or sign up all over again.
You already have Medicare!

Here’s what will happen:

Your Medicare will just keep going.
You don’t lose anything. You don’t have to reapply.

You’ll get a new Medicare card.
Medicare usually sends you a fresh card around your 65th birthday. It will show the same Part A (hospital) and Part B (doctor) coverage you already have.

You might have new choices.
Turning 65 gives you a special chance to make changes if you want like:

Adding a Medicare Supplement (Medigap) plan.

Switching to a Medicare Advantage plan.

Signing up for a Part D drug plan (if you don’t already have one).

Important Tip:
Even though you don’t have to reapply for Medicare itself, it’s a great time to review your coverage and make sure you have the best plan for your needs and budget.

In short:
Nope — you don’t need to sign up again! But it’s a smart time to check if you want to make any updates or changes.

If you want, I can help you review your options before your birthday so everything is ready and easy!

Richard Norcross · Answer

No, you will not have to sign up for Medicare again.

However, you will have a new initial enrollment window that will allow to change coverage if you want.

Colleen Williams · Answer

You do NOT need to reapply for Medicare Parts A and B. You will automatically be transitioned from Medicare based on disability to Medicare based on age. Your Medicare card stays the same — same number, same coverage continues. You do not have to sign up again for Parts A and B.

BUT............
You SHOULD review your options during your "Initial Enrollment Period" around age 65 (which still applies to you even though you already have Medicare). This is a good time to:

Consider whether to switch to a better Part D (drug) plan if you have one or need one.

Consider adding a Medigap (supplemental) policy — at 65 you get a "Medigap Open Enrollment" window where you can buy a Medigap plan without medical underwriting (very important opportunity if you have health issues).

Re-evaluate if you want Original Medicare + Medigap vs. a Medicare Advantage plan (Part C).
→ Many people on disability go into Advantage plans earlier because it was easy — but at 65, you have another chance to switch if you'd prefer more flexibility and access to specialists.

If you already have a Part D or Advantage plan, it will continue unless you choose to change it during this window.

Marc Gilman · Answer

If you are enrolled in Medicare due to receiving Social Security Disability Income, you do not need to sign up for Medicare again. Your Medicare coverage will continue without interruption. Your eligibility reason will change from disability to age. The change in eligibility occurs automatically.

Jacquie Wolf · Answer

When you turn 65 you have an extra opportunity to change your choice of coverage. You do not have to sign up again or make a change if you are happy with what you have!

Anniessa Anderson · Answer

Nope — if you already have Medicare due to disability, it automatically carries over when you turn 65. You’ll just get a chance to review or change your plan if you’d like.

Josefina Escobar · Answer

Nope! If you already have Medicare, it will automatically continue at 65. You will have options to look at either Medicare Supplements or Medicare Advantage plans too.

Lance Stanley · Answer

No, you do not have to enroll in Medicare again because you have already enrolled in part A and B. If you have a Medicare Advantage, it will continue renewing every year unless you change M/A plans.

Comfort Olude · Answer

No, if you're already enrolled in Medicare due to disability, you do not need to re-enroll when you turn 65. You will automatically transition from Medicare based on disability to Medicare based on age. Your Medicare coverage will be continuous with no interruption. However, your 65th birthday does mark a new enrollment period where you can make choices/changes about your Medicare coverage.

Kristin Ingram · Answer

If you already have Medicare because of disability, you usually do not need to sign up again when you turn 65. Your coverage will automatically continue, and you’ll simply transition from disability-based Medicare to age-based Medicare.  You may be able to change your plan and/or purchase a Medigap plan when you turn 65.

Robin Earley · Answer

No, you will automatically be enrolled in Parts A and B when you turn 65. You can make changes in your coverage if you choose.

Juan Carlos Quevedo Lussón · Answer

If you already have Medicare because of disability, you don’t need to sign up again when you turn 65. You’ll automatically transition to Medicare based on age, and your coverage continues without interruption.
Here’s what usually happens:
- You’ll receive a new Medicare card in the mail showing your updated effective dates (Part A and Part B).
- Your premiums and benefits stay the same, unless you decide to make changes — for example, joining a Medicare Advantage (Part C) or Part D prescription plan during your Initial Enrollment Period at age 65.

* In short, you’re already covered — but your 65th birthday gives you the chance to review your options and see if there’s a plan that better fits your health or budget needs.

Katheryn Evans · Answer

When someone with a disability turns 65, their Medicare eligibility shifts from being based on their disability to their age. This means they get a new Initial Enrollment Period (IEP) starting three months before their 65th birthday, the month of their birthday, and ending three months after.(7 months) . 

This will allow them to change plans effective the first day of the month they turn 65 or the first day of the following three months. A plan becomes effective the first of the month following their application date night unless they apply the first two months of the 7 month period. If the apply for a plan in the first two months of the 7 month period the new plan will become effective the first day of the month they turn 65. 

If they have been receiving Social Security Disability Insurance (SSDI) benefits, their benefits will automatically convert to retirement benefits at their full retirement age, which may be between 66 and 67. (Some people’s monthly cash benefit ends up decreasing). 

If they have been receiving Supplemental Security Income (SSI) benefits for disability, those benefits can continue as long as they still meet the program's financial requirements.

Chase Punzalan · Answer

No, you will not have to sign up for Medicare again. However, since annual enrollment is approaching it wouldn’t hurt to review your current situation .

Terri Curcio · Answer

No, you do not need to sign up again. either with Medicare and/or your Medicare Advantage plan.

But, it does give you another opportunity for a Special Enrollment - you can shop the market again in October (3 months before, month of and three months afterwards) and possibly change plans effective 10/1/26 if you sign up three months before.

Rhys Kern · Answer

You’re already on the ride, you don’t need a new ticket at 65. Your Part A and Part B keep going. The cool part is you get some fresh options if you want them. Starting in your birthday month you get a brand new six month Medigap window with no health questions, and a clean chance to pick a Medicare Advantage or Part D plan that fits better. If you like what you have, do nothing and it stays put. The only time you’d need to enroll is if you previously declined Part B or never had drug coverage and now want it, in which case we use your 7 month birthday window to add it.

Devorah Wittig · Answer

I just now received your question on the first of December and since you turned 65 in October your question may be resolved, but for others, the answer is in general, no.

Having said that, it is advisable to check with Social Security about your individual situation as it may involve changes once you turn 65 and you will want to make sure you have all of your bases covered so there are no surprises later on.

Most people in the situation you describe have a smooth experience in this transition.

Christian Baird · Answer

The answer is - it depends if you will be on regular Medicare of Medicaid Medicare. Comes down to Adjusted Gross Income on the DI Income that is coming in.

Tracy Peters · Answer

No, if you are already on Parts A and B and have a plan that supplements your Medicare, you are good to go. You don't have to do anything new.

Eric Daye · Answer

No, It is not necessary to sign up again. Your Medicare will automatically switch from disability to age. You will however receive a new "Initial Enrollment Period" when you turn 65.