I've been on disability for years and am about to turn 65. Do I automatically get Medicare because I'm on Social Security, or do I need to do something?

Answered by 90 licensed agents

If you already have Medicare benefits due to disability, you just continue to have your Medicare benefit. If you like to change your plan such as the Medicare supplement plan, you are eligible to an open enrollment period that begins three months before your 65th birthday and ends three months after your 65th birthday. Please ask your Medicare insurance agent.

If you don't have Medicare benefits now and have enough Medicare credit, you will automatically receive your medicare benefit.

I prefer to access to Social Security Administration on WEBSITE.

https://www.ssa.gov/medicare/sign-up

Answered by Satoshi Aoki on April 15, 2025

Agent Licensed in CA

Answered by Satoshi Aoki Medicare Insurance Agent
You will automatically be enrolled in A& B if you are on disability, and not have employer coverage

Answered by Mike Alexander on December 24, 2025

Broker Licensed in TX, AL, AR & 16 other states

Answered by Mike Alexander Medicare Insurance Agent
Yes. After you`ve been on disability for 24 months, you should be automatically enrolled in Medicare in the 25th month.

Answered by William Lawler on April 6, 2025

Broker Licensed in MO, FL, IA & 12 other states

Answered by William Lawler Medicare Insurance Agent
When turning 65, Medicare Part A is automatically given to you at no cost. You should not need to do anything, but I would always double-check if you haven’t received your card before you turn 65. Medicare Part B, you sign up for yourself, and if you do not, you’ll be penalized for the rest of your life for every month you go without signing up. Medicare Part D also requires that you sign up when you turn 65, or you’ll be paralyzed for each month that you go without it for the rest of your life. An agent can help you complete these tasks. Having Social Security before turning 65 does not exempt you from these items. You’re still required, and Medicare is separate from Social Security.

Answered by Larry Dalton on April 22, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent
If you have been on SSSI for 24 months, Social security will automatically enroll into Medicare Parts A&B on the 1st day of the 25th month. If you are on Medicare A & B and Turning 65, you can enroll into a Medicare Supplement and Part D Plan if you prefer.

Answered by Christopher Boyd on August 17, 2025

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

Answered by Christopher Boyd Medicare Insurance Agent
You will automatically get Medicare , but you need to make sure that you get Medicare A and Medicare B activated.

Answered by George Ibanez on July 30, 2025

Broker Licensed in AR, AL, AZ & 40 other states

Answered by George Ibanez Medicare Insurance Agent
If you’ve been on disability for at least 24 months you will already have Medicare Part A and Part B. Turning 65 gives you another enrollment opportunity if you want to change plans. Sometimes people that have previously been on a Medicare Advantage plan choose to enroll in a Medicare Supplement when turning 65 because they have ‘guaranteed issue’. (Some states offer Medicare supplements for people under 65yo but they are typically more expensive than Medicare Supplements for someone who is 65 or older.) No need to do anything unless you want to review your options to possibly change plans. Medicare Part B will continue coming out of your Social Security check.

Answered by Christy Jones on April 13, 2026

Broker Licensed in ID, AL, AR & 20 other states

Answered by Christy Jones Medicare Insurance Agent
Yes, you will be auto enrolled into Medicare. But you should contact Medicaid in your state to see if you need to re-certify or if you should update anything to ensure you do not have disruptions that could cause you to lose or miss out on benefits available to you. You are welcome to contact me and discuss this further, so we have a better understanding of your particular situation. We would love to help you in this transition.

Answered by Michael Denniston on May 11, 2026

Agent Licensed in FL, AL, AR & 11 other states

Answered by Michael Denniston Medicare Insurance Agent
Anyone on SSDI(Social Security Disability Income) for 24 consecutive months will automatically be given Medicare A&B

Answered by Kerwyn Jones on August 31, 2025

Broker Licensed in FL, AL, AZ & 21 other states

Answered by Kerwyn Jones Medicare Insurance Agent
If you are under 65 years of age and have a disability you will automatically be enrolled in Medicare Part A and Part B, after you have received disability benefits for 24 months.

Answered by Donnie Vermillion on October 8, 2025

Broker Licensed in TX

Answered by Donnie Vermillion Medicare Insurance Agent
Even if you are under the age of 65 and you have been on Social Security Disability (SSDI) for 24 months or more, you most likely are already on Medicare. Once you turn 65, then you have another opportunity to use a "Special Enrollment Period" to change your Medicare plan if you'd like.

You do not automatically get Medicare because you are on Social Security unless you have been on SSDI for 24+ months. Most people who are not on SSDI have to sign up for and start Medicare at the age of 65.

Answered by Sandra Teel on June 2, 2025

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

Answered by Sandra Teel Medicare Insurance Agent
In most cases, if you’ve been on Social Security disability benefits, you’ll be automatically enrolled in Medicare when you turn 65. Your coverage usually switches from disability-based Medicare to age-based Medicare, and you should receive your Medicare card in the mail. That said, it’s still important to review your coverage and make sure you’re enrolled in the right parts of Medicare, especially if you want a drug plan or a Medicare Advantage plan, since those choices aren’t automatic.

Answered by Brian Cronin on February 18, 2026

Broker Licensed in NH & ME

Answered by Brian Cronin Medicare Insurance Agent
Generally, a person (legal citizen of the United States) under age 65 who has received Social Security Disability income for 24 consecutive months, will automatically be enrolled with Medicare Disability. Social Security will send you a red, white, and blue Medicare card with a letter explainging everything. The 24 month waiting period can be waived by a judge, but this is not common.

Answered by Randall Taylor on July 28, 2025

Broker Licensed in TX, MI & WI

Answered by Randall Taylor Medicare Insurance Agent
You usually get Medicare once you have been disabled for 24 months. If for some reason you have not, then you should get it at 65. If you have not heard from Medicare six weeks before the month you turn 65, you should contact Social Security.

Answered by David Bell on April 15, 2025

Agent Licensed in ID, AZ, CA & 8 other states

Answered by David Bell Medicare Insurance Agent
People who have drawn Social Security Disability (SSDI) for at least 2 years are eligible for Medicare even BEFORE turning 65. Enrollment generally occurs in the 25th month of receiving SSDI, usually providing Parts A and B automatically. To be eligible for Part A at no additional cost you must have worked full time in the USA for at least 10 years. If you have NOT drawn SSDI for at least 2 years then you can enroll in Medicare anytime in the 3 months before your 65th birthday month, and up to 3 months after. If you don't enroll in a timely manner then there could be lifetime penalties assessed to your premiums. If you're still confused that's what I'm for, I'd be happy to guide you through the process.

Exceptions: The 24-month waiting period is waived for those with Amyotrophic Lateral Sclerosis (ALS) or End-Stage Renal Disease (ESRD)

Answered by James Hale on March 18, 2026

Broker Licensed in GA, AL, LA, OH & TX

Answered by James Hale Medicare Insurance Agent
If you are already receiving Social Security, you will automatically be enrolled in Medicare when you become eligible. If you are receiving Social Security disability prior to age 65, you will be enrolled in Medicare after 24 months with few exceptions.

Answered by Joanna Finnegan on August 6, 2025

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

Answered by Joanna Finnegan Medicare Insurance Agent
Usually they will send you your medicare insurance card if you are already enrolled in Social Security.....

Answered by Eddie Tune on January 20, 2026

Broker Licensed in MO, AL, AR & 20 other states

Answered by Eddie Tune Medicare Insurance Agent
You should receive your Medicare card in the mail prior to your 65th birth month. If not, you should schedule an appointment befor turning 65 to make sure you are receiving benefits and request a new card.

Answered by Phillip Davis on April 8, 2026

Broker Licensed in WV, AZ, FL & 5 other states

Answered by Phillip Davis Medicare Insurance Agent
Yes, when you are within 30 days of reaching the month in which you will turn 65 you will likely need to reapply for Medicaid benefits with DSHS. You are becoming eligible for Medicare at that age and will need to change your health insurance plans.

Answered by Charles Fletcher on April 4, 2025

Agent Licensed in WA, AZ, ID, NV & TN

Answered by Charles Fletcher Medicare Insurance Agent
Yes, you will automatically be enrolled in part A and B of medicare if you are are already getting social security prior to turning 65. You will probably see your medicare card come in the mail about 3 months prior to your birth month.

Answered by Tyler Haskell on March 23, 2026

Broker Licensed in UT

Answered by Tyler Haskell Medicare Insurance Agent
If you have been on disability for longer than 2 years (24 months) or more, you are automatically enrolled into Parts A & B when you turn 65. You are not required to do anything, this gives you automatic enrollment into Medicare. It should come in the mail about 3 months prior to your birth date.

Answered by Colleen Williams on May 20, 2025

Broker Licensed in PA, FL, MD & NJ

Answered by Colleen Williams Medicare Insurance Agent
You will transition from Medicare disability to original Medicare. You get a golden enrollment opportunity like everybody else. you get a chance to buy a supplement at a reduced rate and have all your expenses covered. Once you get out of your golden enrollment, the chances of getting approved later are very slim. Highly encourage exploring all options.

Answered by Christopher Palazzini on April 4, 2025

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

Answered by Christopher Palazzini Medicare Insurance Agent
If you were disabled for 24 months or longer (SSDI) you would have been given Medicare at that point. If not, yes, you will receive a Medicare card automatically during the 4th month before your birthday month, and it will be effective on the first day of your 65th birthday month. You get the opportunity to choose a Medicare supplement or Medicare Advantage plan, too. Even if you had Medicare because of your disability, when you turn 65, you get to make another Medicare plan selection due to turning 65.

Answered by Jane Ahrens on May 5, 2025

Broker Licensed in NY, AL, AZ & 16 other states

Answered by Jane Ahrens Medicare Insurance Agent
Yes - disability automatically turns into Sicial Security when you turn 65. What is most important is that you get a brand new enrollment period for Medicare - meaning if you are on an expensive Plan C or Plan D you can switch to a Plan G or a Plan N with no medical questions. Let me know if you would like some health.

Answered by Jo Gallo on December 13, 2025

Broker Licensed in NJ, AZ, DE & 8 other states

Answered by Jo Gallo Medicare Insurance Agent
If you've been collecting SSDI for a period of 24 months then Medicare would automatically begin on the 25th month even if you are not 65 years of age at that time.

If you've been collecting SSDI for less than 24 months but more than 4 months, Medicare would automatically begin when you turn 65.

Since Medicare enrollment could be impacted by multiple factors and one off situations, I would urge anyone with questions to reach out to the Social Security Department or a trusted health insurance broker for confirmation prior to turning 65.

Answered by Charles Boone on June 16, 2025

Broker Licensed in OH

Answered by Charles Boone Medicare Insurance Agent
Typically you are enrolled in Medicare once you have been on disability for 24 months. Otherwise, since you are collecting Social Security, you will be automatically signed up, and will receive your Medicare card 3 months before your 65th birthday month.

Answered by Martin Meyer on October 1, 2025

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

Answered by Martin Meyer Medicare Insurance Agent
Yes, if you're receiving Social Security disability benefits and are about to turn 65, you'll be automatically enrolled in Medicare Part A and Part B. You don't need to do anything to enroll, but you can choose to delay Part B if you have other creditable coverage.

Answered by Jason Rubin on April 7, 2025

Broker Licensed in CA, AK, AL & 33 other states

Answered by Jason Rubin Medicare Insurance Agent
Yes you should automatically be put onto original Medicare about 3 months before you turn 65. You will still need to pick your drug plan and supplement plan to go with it though.

Answered by Rebecca Davis on October 14, 2025

Broker Licensed in TX, AK, AL & 45 other states

Answered by Rebecca Davis Medicare Insurance Agent
It should turn into SSI instead of SSDI and Medicare should automatically be signed up since social security and Medicare are connected. But I would always double check and make sure so no penalties are assessed.

Answered by Daniel Weeks on May 2, 2025

Broker Licensed in MN & WI

Answered by Daniel Weeks Medicare Insurance Agent
Is your receiving social security they should automatically give you Medicare A&B call me I'll explain. It's &185 a month for part B but you could qualify and not have to pay that

Contact me.

Answered by Scott Quintiliano on September 29, 2025

Broker Licensed in CT

Answered by Scott Quintiliano Medicare Insurance Agent
Typically you are automatically enrolled in Medicare Parts A and B after a 24-month waiting period. Coverage continues seamlessly at age 65, and you should receive your card via mail about 3 months prior to that birthday. It is recommended to verify enrollment with the Social Security Administration.

Answered by Arsenio Sallie on March 9, 2026

Broker Licensed in PA, OH & WV

Answered by Arsenio Sallie Medicare Insurance Agent
I hope that you have not been declared disabled for a long time. The rule has always been that if a governmental agency (Federal or State) approved you as being disabled, once 24 months has elapsed, no matter what age you are, you are qualified for Medicare! Though you can only acquire a Med. Advantage plan with drug coverage, when you turn age 65, you will be able to switch over to a Med. Supplement, if you wish. Don't forget that at age 65, pre-existing conditions are eliminated and you can pick anything that your finances dictate.

Answered by Steven Bleicher on May 19, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent
You should be enrolled in Original Medicare Part A & Part B starting on your Month of birth if you are vested in Medicare. You could call Social Security or go to your Social Security office with questions on the cost of your Part B premium.

Answered by Andrew Zurbuch, MBA on April 15, 2026

Broker Licensed in IN, FL, KY, MO, OH & TN

Answered by Andrew Zurbuch, MBA Medicare Insurance Agent
If you have been on disability for years, you should have already been enrolled in Medicare Parts A & B. Medicare generally starts the 25th month following your disability. If you have been disabled for less than 25 months, you will be automatically enrolled in Medicare Part A & B.

Answered by Diana Garner on August 12, 2025

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

Answered by Diana Garner Medicare Insurance Agent
Normally, if you are drawing Social Security then you are automatically signed up for Medicare.

Seems funny, if you are on Social Security, then after 24 months on Social Security Disabilty you should already be signed up for Medicare. You will, have a limited period of time to sign up for different Medicare plans and have guaranteed issue.

Answered by Michael Pyers on April 24, 2025

Broker Licensed in OH & MI

Answered by Michael Pyers Medicare Insurance Agent
Hello! Your question is a very good one. I am better at oral communications than texting.

Texting takes too long and I get dozens of questions. Your option but I am not allowed to

ask you to call me.

Answered by Frank Carta on March 16, 2026

Broker Licensed in MI

Answered by Frank Carta Medicare Insurance Agent
You are eligible for Medicare if you’ve been on Social Security disability for two years. You must, however, sign up.

You also get a second opportunity when you turn 65 but you must sign up you will not get it automatically go to medicare.gov by now you care Medicare Paris, but then you’ll have to sign up for Medicare part B and you need to plan to go with it either a Medicare supplement or a Medicare Advantage Plan

Answered by Walt Smith on May 18, 2026

Agent Licensed in NJ, NY, PA & VA

Answered by Walt Smith Medicare Insurance Agent
Yes, you should automatically be enrolled in Medicare, Parts A and B. You should receive your Medicare (red, white, and blue) care approximately 3 months before your birth month. If you were born on the 1st day of the month, everything starts one month sooner. Once you receive your card you will be able to shop for the coverge that fits your needs.

Answered by Don Golding on November 17, 2025

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

Answered by Don Golding Medicare Insurance Agent
Yes, you automatically get Medicare if you are on Social Security disability after 2 years or you are turning 65. There is nothing you need to do.

Answered by Cindy Clonts on June 17, 2025

Agent Licensed in GA, AL, CA & 9 other states

Answered by Cindy Clonts Medicare Insurance Agent
Yes, when you turn 65, your Medicare enrollment will be automatic because you are receiving Social Security retirement benefits, and you don't need to complete a new application. You will receive a welcome package with your Medicare card and information about your benefits in the mail approximately three months before your 65th birthday

When you turn 65, your entitlement to Medicare will change from being based on disability to being based on age, but the benefits and coverage remain the same.

Look over your Medicare options. You will then have the opportunity to make important decisions about your coverage, such as adding drug coverage, even though you've already qualified for Medicare based on your age.

Decide if you want to stay on original Medicare, or enroll in a Medicare Advantage Plan (Part C) or add a Medigap plan and a Part D prescription drug plan. If you have any questions please do not hesitate to reach out for further clarification and assistance with enrollment.

Answered by Diane Poythress on August 25, 2025

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

Answered by Diane Poythress Medicare Insurance Agent
Honestly you should alley have Medicare if you have been on disability I've r 2 years. You will get your card 3 months before your birthday month- make sure they have your correct address- please make sure you work with an agent to help you choose a plan- as a dist person your medical needs are more complicated

Answered by Kathy Olejniczak on December 12, 2025

Agent Licensed in FL, GA, MI & 6 other states

Answered by Kathy Olejniczak Medicare Insurance Agent
You need to go to the Social Security office and apply for it. Sometimes it comes automatically in the mail but I would go to the office.

Answered by Janet Cruz on March 1, 2026

Broker Licensed in FL

Answered by Janet Cruz Medicare Insurance Agent
When an individual is on disability and receiving SSDI for 2 years, they will be enrolled in Medicare after the 24th month of being on Social Security Disability Income.

If, for some reason, they were not enrolled in Medicare after 24 months of being on disability, then they should be automatically enrolled when they turn 65. A Medicare card is normally sent 3 months before their 65th birthday. The reason they are automatically enrolled is due to the fact that they are receiving Social Security. In this case, in the form of Disability from Social Security.

If they do not receive a card and are not enrolled, then they would need to enroll themselves either at ssa.gov or by calling Social Security.

Answered by Lee Hampton on April 1, 2026

Broker Licensed in AZ, CA, ID & NV, TX, UT & WA

Answered by Lee Hampton Medicare Insurance Agent
Traditionally, since you're already drawing a Social Security check, you're automatically enrolled in Medicare Part A and B. However, if you have been on disability for over 2 years, the odds that you already have access to Medicare Part A and B are very high. Turning 65 gives you the option to buy a Medigap Policy because it's considered a Guaranteed Issue enrollment period.

Answered by Zachary Whitaker on May 11, 2026

Broker Licensed in NC, AL, FL & 13 other states

Answered by Zachary Whitaker Medicare Insurance Agent
It depends you should already have had Medicare after the 24 months of being on disability. If you have your 40/4. You will be eligible for Medicare benefits at 865 during your initial enrollment. Period which is three months before the month of your Birth, and three months after your birthday. Keep in mind. Every case is unique.

Answered by Angela Trinidad on December 8, 2025

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

Answered by Angela Trinidad Medicare Insurance Agent
Anyone who is awarded Social Security Disability is automatically enrolled in Medicare A & B after 24 months of SSDI benefits. Turning 65 has nothing to do with it in this example.

Answered by Bill Horton on December 4, 2025

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

Answered by Bill Horton Medicare Insurance Agent
If you've been receiving Social Security disability benefits for 24 months, you'll automatically get Medicare when you turn 65, even if you're not yet receiving Social Security retirement benefits. You don't need to do anything extra to enroll in Medicare Parts A and B in this case. Your Medicare coverage will begin automatically the month you turn 65. You will receive a welcome package with your Medicare card three months before your 65th birthday

Answered by Vachik Chakhbazian on July 24, 2025

Agent Licensed in CA, AL, AR & 22 other states

Answered by Vachik Chakhbazian Medicare Insurance Agent
If you’re already getting a Social Security check, you don’t need to take any action to stay covered — but it’s smart to make sure you have the type of plan that fits your health and budget.

Answered by Mary Brown on September 12, 2025

Broker Licensed in NJ, DE, FL & NC, OH, PA & TX

Answered by Mary Brown Medicare Insurance Agent
Due to getting social security-SSDI- Medicare will see you in the system so that you will need not to apply for Medicare. However, your social security amount can change now so you will

Need to contact social security admin on any changes as well as ask about your Medicare eligibility status.

Answered by Carol Thompson on May 29, 2025

Broker Licensed in FL, LA, MI & NC, SC, VA & WI

Answered by Carol Thompson Medicare Insurance Agent
Once you turn 65, even though you have been on disability, you are eligible for all Social Security benefits as if you had never been on it before. It’s up to you if you want to stay on a Medicare Advantage plan or switch to a Medicare Supplement plan. Just remember that if you switch, it comes with a cost for the plan, and you have to get a drug plan as well if you switch.

Answered by Todd Bostic on August 4, 2025

Broker Licensed in TX, AL, AZ & 12 other states

Answered by Todd Bostic Medicare Insurance Agent
You are eligible for A& B when you turn 65. You can call Social Security about any of your benefits questions. You may also access everything online through the social security website ssa.gov

Answered by Deborah Webster on May 1, 2025

Broker Licensed in Ia & SC

Answered by Deborah Webster Medicare Insurance Agent
You will continue to get Medicare Part A and Part B. You have the opportunity, if you choose to change to a different/new Medicare Advantage Plan or you could choose to shift to "Original Medicare" with a Medigap supplement. I would encourage you to meet with a licensed professional and review all your options.

Answered by Andrew Kelly on May 28, 2025

Agent Licensed in WA & OR

Answered by Andrew Kelly Medicare Insurance Agent
Yes when you turn 65, you’ll automatically be enrolled in part and then if you’re not working, you will need to go ahead and enroll in part B and having a local agent as like myself in the Mckinney area that could help you review plans across Medicare to see which one with best fit your needs

Answered by Carol Conner on November 23, 2025

Broker Licensed in TX

Answered by Carol Conner Medicare Insurance Agent
Yes, if you receive disability for over 24 months, and you are turning 65, you will be eligible for Medicare. Are you currently getting Medicaid?

You should get a package from Medicare. This package should arrive around 3 months before you turn 65. You will automatically be enrolled in A and you have the option to keep B.

It depends on what other coverages you have.

I would suggest contacting an agent like myself, so we can do a need analysis and provide you with choices.

Answered by Rodolfo Rojas on June 18, 2025

Broker Licensed in NV, AL, AR & 36 other states

Answered by Rodolfo Rojas Medicare Insurance Agent
People who have been on social security disability income (SSDI) for 24 months generally already have Medicare, but will get a second Initial Enrollment Period (IEP) when they turn 65. If you don’t have medicare but are on SSDI, when you turn 65 you generally WILL be signed up for medicare automatically, but I always recommend double checking with social security anyway, especially if you have not received anything from them about the start of your coverage.

If you’re only receiving Supplemental Security Income (SSI) you need to call social security to sign up.

Answered by Rich Baker on December 28, 2025

Broker Licensed in CO, AR, AZ & 7 other states

Answered by Rich Baker Medicare Insurance Agent
You are eligible for Medicare after you have been on disability for 2yrs, you should be able to apply for Part A and B.

Answered by Toni Cormier on July 12, 2025

Broker Licensed in TX, CA & OK

Answered by Toni Cormier Medicare Insurance Agent
Most people get Part A of Medicare at age 65. If you’re on federal disability you should also get Part B.

Answered by Charles Borg on June 9, 2025

Agent Licensed in FL & NY

Answered by Charles Borg Medicare Insurance Agent
You will be automatically enrolled a d switched over to Medicare but it's a great idea to call and verify everything is done in your behalf for Parts A and B of Medicare.

Answered by Ken Banks on November 17, 2025

Broker Licensed in GA, AL, DC & 5 other states

Answered by Ken Banks Medicare Insurance Agent
The Social Security Administration will automatically turn you into a MEDICARE beneficiary if you are not one yet. There will be some steps to take to ensure you have the best benefits for your particular situation. Consult a license agent to give you the best direction. Medicare agents are not allowed to charge you a fee for their services.

Answered by Andre Cabral on July 14, 2025

Agent Licensed in NJ

Answered by Andre Cabral Medicare Insurance Agent
Because you are already on Social Security disability, Medicare will enroll you automatically when you turn 65 and mail the red, white & blue Medicare card, so you do not have to apply again.

Check the mailbox for the card a few months before 65, log in to Social Security if you don't see it.

Also, you can choose how you get your coverage - stay with Original Medicare plus a supplement, or pick an Advantage plan once that Medicare starts.

Answered by Tamela Clayton on May 27, 2026

Broker Licensed in TX, AL, AZ & 12 other states

Answered by Tamela Clayton Medicare Insurance Agent
After your first 24 months on Disability, you should already have Medicare Parts A and B.

For original Medicare, age 65 is that magic (key milestone) number. At this time, your disability-based Medicare benefits will automatically transition to those managed through the Centers for Medicare and Medicaid Services (CMS). Feel free to verify your status with the Social Security Administration (SSA).

🎯

Answered by Lillian Hill on November 15, 2025

Broker Licensed in OH, CO, GA & MI

Answered by Lillian Hill Medicare Insurance Agent
After a person has been determined "Disabled" after 2 years, you may qualify for Medicare. You would want to report your disability to Social Secuirty and allow them to grant you that determination. However, 3 months prior to your 65th birthday month you can begin the process of applying for Medicare benenfits. As well as the month of your birthday and there after the 3 months (90 days).

That is called your Initial Enrollment Period (IEP).

Answered by William Scott on September 16, 2025

Broker Licensed in GA, CO, NC, OH, SC & TX

Answered by William Scott Medicare Insurance Agent
That depends on your current MEDICARE situation. You say you have been on disability but you don't say if you already have MEDICARE. My daughter is on disability from her job and does NOT have MEDICARE yet... therefore when she turns 65 she will have to apply for MEDICARE.

Answered by John L Herman Jr on April 14, 2025

Broker Licensed in MD, DE & PA

Answered by John L Herman Jr Medicare Insurance Agent
Typically, you will be automatically enrolled in Medicare Part A and Part B upon recieving your 24th disibility monthly benefit, or upon turning 65, whichever comes first. They should mail you a Medicare ID card 3 months before it is set to be active. If you don't get it in the mail then, you might want to call social security and inquire.

Answered by Bud Griffin on June 23, 2025

Broker Licensed in TX

Answered by Bud Griffin Medicare Insurance Agent
If you have been diagnosed by a Doctor to be disabled for more that 2 years CMS will put you on Medicare. Do you receive SSID checks another indication of Medicare eligibility. If you have been on disability for years it is a caution flag why you are not already on Medicare. I would call Medicare to verify or contact your agent to assist

Answered by Robert Nunn on April 27, 2025

Agent Licensed in FL, AL, AR & 36 other states

Answered by Robert Nunn Medicare Insurance Agent
Yes. If you've been disabled 24 consecutive months you will be automatically enrolled in Medicare at 65. If you're not receiving those benefits, you have to enroll during your initial election period.

Answered by Tony Hardwick on March 18, 2026

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

Answered by Tony Hardwick Medicare Insurance Agent
Yes — if you’ve been receiving Social Security disability benefits for at least 24 months, you automatically become eligible for Medicare when you turn 65. You usually don’t need to sign up manually; your Medicare card should arrive in the mail about three months before your birthday.

A few things to keep in mind:

You can still choose your coverage: Original Medicare, Medicare Advantage, Part D, or a Medigap plan.

If you want a different start date or are thinking about a Medicare Advantage plan, you may need to take some action to enroll.

Even though it’s automatic, it’s a good idea to review your plan options to make sure your current doctors, prescriptions, and preferred hospital are covered.

Here’s the important part: your Medicare coverage should kick in automatically, but reviewing your options now can save you headaches and money later. If you want, I can walk you through your choices and make sure your coverage is set up the way you want — just reach out, and we’ll go over it together.

Answered by Otisha Newton on November 20, 2025

Agent Licensed in AZ, AL, AR & 18 other states

Answered by Otisha Newton Medicare Insurance Agent
Your medicare should have started on the 25th month of your disability. When you turn 65, you have new opportunities and important decisions to make. An agent should be able to look at your situation, explain your options and recommend your next steps. You only have a limited amount of time so it's extremely important to speak with someone and understand your decision

Answered by Lori Marion` on October 5, 2025

Agent Licensed in MS, AL, AR & 17 other states

Answered by Lori Marion` Medicare Insurance Agent
Yes, if you've been receiving Social Security Disability Insurance (SSDI) benefits and are about to turn 65, you will be automatically enrolled in Medicare. This includes both Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). You should receive your Medicare card in the mail about three months before your 65th birthday. No action is needed on your part unless you wish to make changes to your coverage.

Key Points to Consider

Automatic Enrollment: Since you've been on SSDI, your Medicare enrollment will transition from disability-based to age-based when you turn 65. You'll receive a new Medicare card in the mail, and your Part B premium will be deducted from your Social Security benefits.

Medicare Advantage and Part D: While Parts A and B are automatically provided, Medicare Advantage (Part C) and prescription drug coverage (Part D) are optional. You can choose to enroll in these plans during the Medicare Open Enrollment Period, which runs from October 15 to December 7 each year.

Answered by Humara Riaz on June 12, 2025

Broker Licensed in TX, AL, AR & 23 other states

Answered by Humara Riaz Medicare Insurance Agent
If you are getting Social Security disability, you get Medicare after getting disability benefits for 24 months. If you have ALS (commonly referred as Lou Gehrig's disease) you will get Medicare automatically as soon as you start getting the disability benefits. If you have been on disability for years, you may already qualify for your Medicare benefits.

Answered by Christopher Akers on October 6, 2025

Agent Licensed in TN, FL, OH & VA

Answered by Christopher Akers Medicare Insurance Agent
This will most likely be your last chance for a Guaranteed Enrollment. Regardless of Health, this is the most important time. I recommend you reach out to a licensed agent/broker, as they can educate and guide you. Decisions made at this point in time, especially with having been on disability? It is most likely a decision that will impact the life of your retirement, something a good Agent/Broker takes very seriously.

Answered by Brenda Skasko on November 16, 2025

Broker Licensed in DE, MD & PA

Answered by Brenda Skasko Medicare Insurance Agent
Once you have been on disability for at least 24 months, you will qualify for Medicare. You'll want to join a Medicare Advantage plan that has a $0 monthly premium and generally low copays for doctor visits and hospital stays.

Answered by Theodore Carpenter on August 25, 2025

Broker Licensed in IA, AZ, IL & TN

Answered by Theodore Carpenter Medicare Insurance Agent
If you’ve been receiving Social Security disability benefits, you’re typically enrolled in Medicare automatically after 24 months, and when you turn 65, your coverage simply continues. You don’t need to reapply, but you’ll have the option to add or change coverage, like Part D or Medicare Advantage. It’s a good idea to review your options at 65 to make sure your plan still meets your needs.

Answered by Tammam Tayara on September 10, 2025

Agent Licensed in CA, NM, OR & TX

Answered by Tammam Tayara Medicare Insurance Agent
If you have been on disability for more than 24 months, prior to age 65, then you should already be on Medicare at month 25 of disability. Otherwise, yes, you will automatically be put onto Medicare and you should receive your Medicare card and number up to 3 months prior to your 65th birth month. At this time, you can then decide on additional Medicare coverage options to help fill in the gaps that Medicare leaves behind. It is at this time that you would want to speak with a Licensed Agent who can guide you in this situation so you know exactly what your options are. You have until 3 months after your 65th birth month to decide on the additional coverage options.

Answered by Sandy Hammond on July 20, 2025

Agent Licensed in OH, IN & KY

Answered by Sandy Hammond Medicare Insurance Agent
It all depends on a couple of things!

Are you on Medicare disability (do you have a red, white and blue Medicare card?)).

If so, you should already be enrolled in Medicare Part A and Par B.

If you do not have a Medicare card you you should receive your card at some point prior to turning 65 since you are drawing Social Security. Anyone who turns 65 and is not drawing Social Security will not receive their Medicare Card automatically. You must apply for it.

As part of our service, we work all of our potential clients through the process and then help in the decision making process of deciding between a Medicare Supplement or Medicare Advantage Plan. All of these services are at NO Cost to the client!

Answered by Larry Plyler on March 24, 2026

Broker Licensed in SC, NC & TN

Answered by Larry Plyler Medicare Insurance Agent
If a person is disabled for longer than two years, they will be eligible to sign up for Medicare before turning 65. At this time, you have the option to select a Medicare Supplement plan, which will be a guaranteed issue. When you turn 65, you enter another guaranteed issue period. During this time, you can either keep your current Supplement plan or switch to a Medicare Advantage policy.

Answered by Glenn Soucek on June 17, 2025

Agent Licensed in IL, MO, MS, OH & TX

Answered by Glenn Soucek Medicare Insurance Agent
Disability is just the money, not the Medicare benefits. Give me a call and I will be glad to assist you.

Answered by Akia Alexis on August 22, 2025

Broker Licensed in GA, FL & SC

Answered by Akia Alexis Medicare Insurance Agent
You will get a new individual enrollment period 3 months before the month of your 65th birthday to three months after your 65th birthday. Your disability will convert to a retirement benefit and your disability through social security benefits once you turn 65, will automatically enroll you in Parts A and B which you need to qualify for a Medicare Advantage Plan. Should you not take any action, you will be enrolled in Parts A and B, but you will need to enroll in a stand-alone drug plan.

Answered by Lisa Wohlhieter Hobbs on October 14, 2025

Agent Licensed in FL, IL, IN, NC & SC

Answered by Lisa Wohlhieter Hobbs Medicare Insurance Agent
Yes. Most likely you will qualify. However, it is always best to call the Medicare office or Medicare.gov for completely accuracy. You can reach them thru your Social Security Office

Answered by Amal Sahyoun on December 11, 2025

Agent Licensed in CA

Answered by Amal Sahyoun Medicare Insurance Agent
Yes, Social Security should enroll you in Medicare automatically and start when you turn 65. If you have been on disability for years, you may already qualify for Medicare. Talk to an agent you can trust to help you do that research to make the necessary calls and find the most appropriate plan for you.

Answered by Wayne Hartzler on September 8, 2025

Broker Licensed in OK

Answered by Wayne Hartzler Medicare Insurance Agent
You do have the opportunity to have another Initial Coverage Enrollment Period (ICEP for Medicare Advantage) or an Initial Enrollment Period (IEP) for Part D Prescription Drug plans.

You can enroll once again in the same plan you have, enroll in a new plan, or choose to participate in a Medicare Supplement plan.

Answered by Michael Pane on June 12, 2025

Broker Licensed in NY, CO, FL & 16 other states

Answered by Michael Pane Medicare Insurance Agent
After you have received SSA disability benefits for 24 months, you are automatically enrolled in Medicare pan even if you are under 65. But you do need to decide whether to Keep Original Medicare, or Pick a Medicare Advantage plan, and Add Part D or Medigap if needed.

Answered by Otumdi Omekara on September 24, 2025

Broker Licensed in OR, AZ, FL, MI & NV

Answered by Otumdi Omekara Medicare Insurance Agent
If you had Medicare before turning 65 to disability you will need to re-evaluate. Some things change once you hit that 65 landmark. Meet with a reputable brokerage. They'll walk you through those changes and your new options.

Answered by Angela Olson on May 2, 2025

Broker Licensed in UT, AZ, CO & 5 other states

Answered by Angela Olson Medicare Insurance Agent
You will be automatically enrolled. Three months before your birth month you should receive confirmation you have been automatically enrolled.

Answered by Julius Baradas on December 19, 2025

Agent Licensed in CA

Answered by Julius Baradas Medicare Insurance Agent
At 65, Your Status Changes Slightly:

You will no longer be on Medicare due to disability—you’ll now have Medicare due to age, which may affect:

Medigap eligibility (more options become available)

Plan costs or availability, especially in your state

Answered by Beverlyn Everage on August 4, 2025

Agent Licensed in GA, OH & TX

Answered by Beverlyn Everage Medicare Insurance Agent
Yes — because you’re already getting Social Security disability benefits, you will get Medicare automatically when you turn 65, and you generally don’t need to sign up separately.

Answered by Josie Villa on February 2, 2026

Broker Licensed in IL

Answered by Josie Villa Medicare Insurance Agent
When you turn 65 and are already receiving Social Security Disability Insurance (SSDI), your disability benefits will automatically convert to Social Security retirement benefits. The monthly payment amount you receive generally remains the same. You don't need to re-apply or take any action for this conversion to occur. Additionally, turning 65 is also when you become eligible for Medicare, and you can make changes or additions to your Medicare coverage if needed.

Answered by Vincent Gatewood on May 1, 2025

Broker Licensed in NC, FL, GA, MO & TX

Answered by Vincent Gatewood Medicare Insurance Agent
They should send your Medicare card to you because you are already in the system. You can call your local social security office if you haven’t gotten your card yet. I don’t know how long it is until you turn 65 to advise you further

Answered by Crystal Cornett on July 7, 2025

Broker Licensed in AL, GA, KS & 9 other states

Answered by Crystal Cornett Medicare Insurance Agent
Hello,

If you are receiving Medicare due to disability, you already have Medicare Part A and Part B. When you turn 65, you will have a new enrollment period that allows you to apply for a Medicare Supplement plan without having to answer health questions. I hope this information has been helpful to you.

Answered by Michelle Walls on April 13, 2026

Broker Licensed in TX, AL, AR & 39 other states

Answered by Michelle Walls Medicare Insurance Agent
You will need to call your local social security office and double check. Sometimes when you are on disability it happens automatically but I would DOUBLE check that forms dont need filled out. If forms need filled out, thats a process. Submit those asap or they can add FEES if you dont. Let me know if you need any help.

Answered by Kimberly Pittl on April 8, 2025

Agent Licensed in OH

Answered by Kimberly Pittl Medicare Insurance Agent

Tags: New To Medicare Social Security The Medicare System Turning 65

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