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

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

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.

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.

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 & 15 other states

Answered by Mark Maliwauki 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, 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.

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.

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).

Melanie McCloud · 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

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.

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.

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.

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.

Sherry Rose · Answer

You do not have to sign up for Medicare A & B again. Depending on the type of plan you currently have, such as a MAPD, you have an open window to change your plan within the first 6 months of turning 65, during which you will not be asked any health questions and can move to a Medicare Supplement plan.

Answered by Sherry Rose on May 29, 2025

Broker Licensed in Ga, AL, AR & 5 other states

Answered by Sherry Rose 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

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

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

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

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.

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

Agent Licensed in FL

Answered by Mal Varlack 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, CA, CO, MT, OR & WA

Answered by Joanna Finnegan Medicare Insurance Agent

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.

Answered by Comfort Olude on July 1, 2025

Broker Licensed in CA, FL, GA & 9 other states

Answered by Comfort Olude 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.

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.

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

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

Answered by Nancy Courser 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

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

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

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

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

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

Agent Licensed in GA, AZ, CA & 15 other states

Answered by Tony Hardwick Medicare Insurance Agent

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.

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

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!

Ingrid Kollmann · Answer

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

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.

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.

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.

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.