What happens if I am already retired and collecting Social Security when I turn 65?

Question

Charles Wheeler · Accepted Answer

If you are already retired AND collecting Social Security, congratulations! A few months ahead of your birth month you will be AUTOMATICALLY enrolled in Medicare A and B. Among the piles of literature you receive from health insurance companies, you will be sent a card in the mail showing your Medicare ID# and effective dates (the month you turn 65). If you plan on using Medicare as your health insurance moving forward you do not need to take any further action.

Answered by Charles Wheeler on February 11, 2025

Broker Licensed in MA, CT, FL & 7 other states

Answered by Charles Wheeler Medicare Insurance Agent

Steve and Sue Brauer · Answer

Hi, thanks for watching. So the question is, what happens if someone is already retired and collecting Social Security when they turn 65? Maybe they started collecting at 62. Well, in most cases, Social Security will automatically enroll you into Medicare at age 65. You don't have to enroll yourself. That's typically done automatically. So should you get your card, Part A and Part B should become effective the first of the month of your birth month. And that's done automatically.

Mike Alexander · Answer

You will need to enroll in Medicare A and B, 2 MONTHS BEFORE YOUR 65TH BIRTHDAY THE MONTH OF YOUR 65 BIRTHDAY OR 2 MONTHS AFTER YOUR 65TH BIRTHDAY. OR YOU WILL BE SUBJECT TO A PENALITY ON YOU PART B COST AND PART D COST

Answered by Mike Alexander on October 1, 2025

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

Answered by Mike Alexander Medicare Insurance Agent

Mark Bilgere · Answer

If you are already collecting your Social Security Retirement benefits, you will be automatically enrolled in Medicare when you turn 65. You will also have your Medicare Part B premium automatically deducted from your Social Security check. Remember that Medicare does not enroll you in Part D for prescriptions, so you need to make sure you do that also.

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

Medicare begins either at age 65 or if they are eligible for Medicaid assistance.  I spend a lot of time to help.
I have worked helping Seniors for 35+ years.

Norman Smith · Answer

That just makes it easy! You turn on your Part A and B, elect a Part D Prescription plan, and you're ready to go! 
Now, if you decide to go with a Medicare Advantage Plan, you will give up those benefits to take the privatized company insurance. Either way, it's pretty simple!

William Lawler · Answer

If you are already retired, turning 65 and collecting your social security, you will automatically be enrolled in Medicare, parts A and B. Bill Lawler.

Larry Dalton · Answer

That is quite all right. Medicare does not begin until you are 65 and is not part of the Social Security program. Age 65 is the most important date in the Medicare system. 62 and 70 are also important dates under the Social Security system.

Answered by Larry Dalton on March 26, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

Christopher Boyd · Answer

Social Security will automatically enroll you into Medicare Parts A & B if you are not already enrolled due to SSDI Disability.

Pamela Masters · Answer

You automatically will receive a Medicare card that starts the month you turn 65. When you receive your card you will also receive instruction about your Part B. Read it thoroughly so you know what to do next.

Answered by Pamela Masters on November 30, 2025

Broker Licensed in NC

Answered by Pamela Masters Medicare Insurance Agent

Charise Karjala · Answer

Typically, Social Security will send out your Medicare Benefits card 3 months prior to your 65th birthday month.
You may also be eligible for Medicaid, which makes things a little more complicated in accessing different plans, or you may involuntarily be enrolled in a plan without your knowledge.

Get with a competent Medicare broker (non a salesperson); they can do a thorough needs and situation analysis and assist you to understand your options and develop a winning healthcare strategy.

John Becker · Answer

I am not sure exactly what you are asking… but I will assume you are asking what happens with Medicare in that event?

I’m that case: If you are retired and collecting Social Security when you turn 65, you will be automatically enrolled in Medicare Parts A and B. Your Part B premiums will generally be automatically deducted from your monthly Social Security payments.

You will need to take separate action to enroll in Medicare Part D for prescription drug coverage. 

Medicare Enrollment: Because you are already receiving Social Security, the Centers for Medicare & Medicaid Services will send you a welcome package about 3 months before your 65th birthday.

Part B Premiums: Medicare Part B premiums will be deducted directly from your Social Security benefits.
Continued Benefits: Your Social Security retirement benefit amount will not change just because you turn 65, as the reduction for early filing (if applicable) is already locked in.

Gregg Matheny · Answer

Easiest situation possible! Three months prior to your 65th birth month Social Security will start the process of getting you set to start on Medicare parts A and B on the first day of your 65th birth month. You don’t have to do anything besides keep an eye out on the mailbox for your Medicare ID card and instructions on how to pay your Medicare part B premium.

Answered by Gregg Matheny on March 25, 2025

Agent Licensed in AZ & UT

Answered by Gregg Matheny Medicare Insurance Agent

Clarence &quot;Mark&quot; Christiansen · Answer

In this case, you will be auto-enrolled in Medicare. When you get your red, white and blue Medicare card in the mail, pick a Medicare supplement plan plus a Part D Rx plan or an MAPD plan. Your independent Medicare agent can help with this.

Answered by Clarence "Mark" Christiansen on March 30, 2025

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

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent

Luke Rhoads · Answer

Nothing with your benefits will change. I would recommend going and getting enrolled in Part A and Part B to avoid penalties. Then take a good look at getting either a medicare advantage or medicare supplement plan.

Answered by Luke Rhoads on September 12, 2025

Broker Licensed in OK

Answered by Luke Rhoads Medicare Insurance Agent

Donnie Vermillion · Answer

If you are collecting Social Security when you turn 65 you will automatically be enrolled in Part A (Hospital Care) and Part B (Medical Care) You do not need to do anything to enroll in Medicare and the part B premium of $185 will automatically be deducted from your social security check. 

$185 for 2025

Michelle Sparks · Answer

If you are already retired and collecting Social Security, you will automatically be enrolled in Medicare Part A and Part B. You will receive your Original Medicare Card in the mail 2-3 months in advance of your 65th birthday and your benefits will be effective with the first day of the month that you turn 65. If you turn 65 on the first day of the month, your Medicare benefits will be effective with the month before your 65th birthday. 

Once you receive your Medicare card, you should be in contact with a broker to help you decide what additional insurance needs you have. You will need to enroll in a Part D plan (prescription drug plan) at 65. To avoid penalties, you need to enroll in a Part D plan during your initial enrollment period (IEP), which is a seven month period- beginning with the three months before you turn 65, your 65th birthday month, and the three months following. 

In addition to your Part D enrollment, you will want to consider whether a Medicare Supplement or Medicare Advantage plan is best for you. Everyone's needs are individual, so it is best to speak with an independent broker that can help you navigate the complexities of Medicare- ensuring you have the best possible health coverage for your personal needs.

David Wiley · Answer

You will automatically be enrolled in both Medicare Parts A & B since you are already drawing Social Security benefits, however, A & B only cover 80% of your medical bills and you will have no drug coverage (Part D). You will need to contact an agent to help you enroll in a plan that covers 100% of your medical and to add Part D. You may do both 3 months prior to the month in which you turn 65. An agent charges you $0, but their knowledge of which plans best serve your needs is invaluable.

Answered by David Wiley on March 16, 2026

Broker Licensed in GA & NC

Answered by David Wiley Medicare Insurance Agent

David Wynne · Answer

If you are already retired and collecting Social Security, you will automatically be enrolled in Medicare Part A and Part B. You will receive your Original Medicare Card in the mail 2-3 months in advance of your 65th birthday and your benefits will be effective with the first day of the month that you turn 65. If you turn 65 on the first day of the month, your Medicare benefits will be effective with the month before your 65th birthday.

Once you receive your Medicare card, you should be in contact with a broker to help you decide what additional insurance needs you have. You will need to enroll in a Part D plan (prescription drug plan) at 65. To avoid penalties, you need to enroll in a Part D plan during your initial enrollment period (IEP), which is a seven month period- beginning with the three months before you turn 65, your 65th birthday month, and the three months following.

In addition to your Part D enrollment, you will want to consider whether a Medicare Supplement or Medicare Advantage plan is best for you. Everyone's needs are individual, so it is best to speak with an independent broker that can help you navigate the complexities of Medicare- ensuring you have the best possible health coverage for your personal needs.

Amy Putrino · Answer

Medicare will automatically start the month you turn 65, if you are collecting Social Security. You will be receiving a Medicare card approximately three months before the month of your birthday. Now all you have to do is choose an advisor, who can help you find a plan to fit your personal needs and budget.

Answered by Amy Putrino on March 26, 2025

Agent Licensed in RI, AZ, CT & 12 other states

Answered by Amy Putrino Medicare Insurance Agent

Joanna Finnegan · Answer

You will automatically be enrolled in Medicare! Which means you dont have to sign up through Social Security (really cuts down on your wait time).

Answered by Julie Joyce on March 25, 2025

Agent Licensed in PA, CT, DE & 9 other states

Answered by Julie Joyce Medicare Insurance Agent

Bill Green · Answer

If you're already retired and collecting Social Security when you turn 65, you’ll be automatically enrolled in Medicare Parts A and B. Your red, white, and blue Medicare card will typically arrive about 3 months before your 65th birthday. Part A is usually premium-free since you've paid into it through taxes, but Part B does come with a monthly premium, which will be deducted from your Social Security check. If you don’t want Part B right away—for example, if you have other coverage—you’ll need to actively opt out. This is also the time to look at whether a Medicare Advantage or Supplement plan makes sense for your situation. It’s a good idea to talk through your options with someone who can help make sure your coverage fits your needs and budget.

Answered by Bill Green on March 26, 2025

Broker Licensed in FL, AL, AZ & 19 other states

Answered by Bill Green Medicare Insurance Agent

Jay Larshus · Answer

If you already drawing Social Security prior to turning 65, Social Security/Medicare will automatically enroll and mail your Medicare card with both Part A and Part B approximately 3 months prior to the month you turn 65.

Answered by Jay Larshus on March 25, 2025

Agent Licensed in TN & VA

Answered by Jay Larshus Medicare Insurance Agent

Roger Werking · Answer

If you are not on a company group health plan, then you need to get your Medicare Card and apply for a Medicare Supplement or Advantage plan.

Renee Brown · Answer

This is a question I answer frequently from my clients. If you are already drawing social security when you turn 65, then you will automatically be enrolled in Medicare Part A& B by Social Security and you do not have to do anything. Once you get the part A and B, then you will need to either sign up on a Drug Plan for Part D, or sign up with a Medicare Advantage or Medicare Supplement plan to go with it.

Answered by Renee Brown on March 25, 2025

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

Answered by Renee Brown Medicare Insurance Agent

Christopher Palazzini · Answer

You will be automatically enrolled into Medicare Parts A and B. 

Part C, Part D and a Supplement must be done on your own time.

Annelies Van Schie · Answer

Congratulations that you are already retired. 

You would automatically receive your Medicare ID card in the mail about 3 to 4 months before the effective date. You would not have to apply for it.

Your Medicare insurance would start on the first day of your 65th birthday month. 

If your birthday is on the 1st of the month, your Medicare will start the month before your 65th birthday month. 

I would advise you to start learning about Medicare and exploring your additional Medicare plans about 4-5 months prior to your Medicare start date. Find a Medicare agent you can trust.

Jane Ahrens · Answer

You will automatically be enrolled in Parts A and B and receive your Medicare card during the fourth month preceding your birthday month. It will still be effective on the first day of month of your birthday month unless you were born on the 1st of a month. In that case, your coverage begins on the 1st day of the previous month.

Answered by Jane Ahrens on March 31, 2025

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

Answered by Jane Ahrens Medicare Insurance Agent

Tom Kowalczyk · Answer

Medicare will automatically enroll you in Medicare Part A and and send you your Red, White and Blue Medicare card about 3 months before the month you turn 65.  Your Medicare Card will have both Medicare Part A and Medicare Part B on it. 

You will have the option to decline Medicare Part B if you have other credible health coverage(ex. from a spouses employer). If you do nothing, Medicare will begin deducting the Medicare Part B premiums from your social security or disability income.

Jose Ramos · Answer

You’ll be automatically enrolled in Medicare Part A and Part B when you turn 65, and your Part B premiums are usually deducted from your Social Security check.

Tammera Marrs · Answer

You become eligible for Medicare when you turn 65, and enrollment in Medicare is automatic if you are already receiving Social Security benefits.  You should receive your Medicare card by mail within 3 months of turning 65.  

Turning 65 does not affect your Social Security benefits unless you choose to change your work status or income.

You can start looking at Medicare Supplement or Medicare Advantage options a few months before you turn 65.

Donna Lueders · Answer

If you're already collecting Social Security, you will automatically be enrolled Medicare. The monthly premium for Medicare Part B ($202.90 in 2026) will be automatically deducted from Social Security.

Answered by Donna Lueders on March 2, 2026

Broker Licensed in FL, GA, LA, NC & SC

Answered by Donna Lueders Medicare Insurance Agent

Vincent Esposito · Answer

if spouse is younger and working you  may not need to enroll in medicare. If your still employed you can delay enrolling in medicare if your on an employer sponsored plan

Diane Andree · Answer

If you are aready retired and collecting Social Security when you turn 65, you will automatically be enrolled in Medicare.  Your card should arrive timely, amonth or two before your birthday.

Jillian Bellinger-Laing · Answer

You will be signed up for Medicare automatically and you should receive your Medicare card 3-4 months before you turn 65. Have a great weekend!

William Lewkowski · Answer

You will automatically be enrolled into Medicare Part A and Part B. If you do not want Part B at 65 and want to delay it, you must contact Medicare.

Patricia Lewis · Answer

If you are already retired and taking Social Security, then you will be automatically enrolled in Medicare (Parts A and B) at age 65. They normally send you the red, white and blue Medicare card about 3 to4 months prior to your birth month. You will also get a letter from the Social Security Administration on what the anticipated costs will be for you. You will have to decide if you want to stay with Original Medicare with a drug plan, and possibly a supplement, or if a Medicare Advantage plan is better for you. That is where consulting with an independent broker comes in; they can explain in terms you understand what the pros and cons are of each one.

Answered by Patricia Lewis on February 3, 2026

Broker Licensed in FL, GA, IL & 8 other states

Answered by Patricia Lewis Medicare Insurance Agent

Shane Bullock · Answer

If you are collecting Social Security or Railroad Retirement Benefits at least four months before you turn 65, then you will be automatically enrolled in Medicare Part A and Part B. You should get your Medicare card in the mail about 3 months before you turn 65.

If you are collecting your Social Security, but you still want to delay enrolling in Medicare because you have creditable coverage through your or your spouse's employer, you must contact Social Security and let them know you plan on delaying your enrollment. Before you do anything, I recommend working with an agent ahead of time to plan your enrollment in Medicare. We can help you navigate the decisions you have for enrolling to make sure Medicare works the way you want it to.

Donna Walbert · Answer

It is an advantage for people to be collecting social security before turning 65 as it relates to medicare. Social Security and Medicare are linked together, meaning Medicare will know you are collecting Social Security Income and will send you a Medicare card four months prior to turning 65. This advantage avoids the sign-up process. You may defer Part B if you are on a spousal health group plan and would simply sign the back of the card and send it back to them and Social Security will then reissue a Medicare card with Part A Benefits only. Please keep in mind though when your spouse retires, you must submit two forms, one of which needs verification and signature from the employer which provided credible coverage post 65.

Answered by Donna Walbert on August 27, 2025

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

Answered by Donna Walbert Medicare Insurance Agent

Jim Neil · Answer

Roughly 90 days before your 65th birthday you'll automatically receive your red, white, and blue Medicare card in the mail from the Social Security Administration. Medicare A and B will be effective the first of the month in which you turn 65, unless your birthday falls on the first of a month, then Medicare starts on the first of the month PRIOR to your birthday. When you receive your Medicare card it's very important to talk to an independent broker so that you can hear all the different options available to you. You should work with a broker you trust that has virtually all the insurance companies at his or her disposal to ensure you get the right plan for you and that all your doctors and medications are covered properly.

Answered by Jim Neil on February 4, 2026

Agent Licensed in MI, AL, AR & 31 other states

Answered by Jim Neil Medicare Insurance Agent

Lauren Singer · Answer

For Social Security when you want your benefits to start, which could be as early as age 62 or as late as age 70. If you're already receiving Social Security benefits when you turn 65, you'll be automatically enrolled in Medicare — no need to let Social Security know that your birthday is coming.

Answered by Lauren Singer on March 25, 2025

Broker Licensed in SC

Answered by Lauren Singer Medicare Insurance Agent

Anna Kozikowski · Answer

Great question! If you are already retired and collecting Social Security, you'll automatically be signed up for parts A and B, effective the first day of your birthday month. You should look your red, white and blue Medicare card to arrive in the mail around 4 months prior to your 65th birthday month. Once you have your Medicare number/card you are eligible to select a private insurance policy. An agent, like me, can help narrow down those option when the time comes!

Answered by Anna Kozikowski on April 28, 2025

Broker Licensed in CA, AZ, ID & NJ, NV, TX & WI

Answered by Anna Kozikowski Medicare Insurance Agent

Steven Bleicher · Answer

Once you've begun collecting your SS entitlement, you should automatically receive your unique Medicare Red, White & Blue card in the US mail. Don't think it's junk mail. Open it up & you will see that you are already enrolled in both Part A and Part B with the effective dates being the 1st day of your birthday month. 

Therefore, you are halfway to registering properly!  The only aspect to consider is: If you interview 2-3 independent agents (this is a must!) who are experienced enough to show you a chart which compares the pros & cons of both a Med. Suppmt. and a Med. Advantage plan. Please be sure you don't include a "captive agent" since that type only works for one company who MAY offer BOTH a Suppmt. (aka, a Medigap policy) & an Advantage plan. This is a definite imperative! Once you see that overview, depending on your finances, your health issues and your family's history of longevity, it should become clear which of the above 2 plans are for you.
Don't believe that a free Advantage plan is your better bet, please.

Jim Tretola · Answer

I don't understand your question. What happens in relation to what?
Are you talking the payout amount?

Timothy Brown · Answer

Any who is retired and currently collecting Social Security benefits will automatically receive their Medicare care as early as 3 months prior to their 65th birthday.

Michael Pyers · Answer

Then you will automatically be signed up for Medicare. Your Social Security check with have the part B premium withheld from the check you are receiving. Unless you qualify for the extra help available for people with lower incomes and assets.

Answered by Michael Pyers on March 26, 2025

Broker Licensed in OH & MI

Answered by Michael Pyers Medicare Insurance Agent

Barbara Barnes, CMIP® · Answer

If you are already in the Social Security system, receiving benefits, about 3-months before your 65th birthday you will automatically be enrolled in Medicare Parts A & B and receive a Medicare ID Card in the mail.

Answered by Barbara Barnes, CMIP® on September 29, 2025

Agent Licensed in PA

Answered by Barbara Barnes, CMIP® Medicare Insurance Agent

Hannah Skinner · Answer

You will continue to receive Social Security. You will be automatically enrolled in Medicare at age 65, and you should receive your Medicare card in the mail 3-4 months before your birthday.

Robert Baez · Answer

You should apply for Medicare A and B then reach out to me so I can help in finding the right plan that fits your needs.

Michael Wallner · Answer

When you turn 65 and are collecting Social Security, Medicare Part A, (Inpatient and other related coverage) will start, If you also want Medicare Part B, (Outpatient/Physician coverage), to start at that time, you need to initiate that with the Social Security office. You have a 7 month window to initiate Medicare Part B coverage, three months prior to your birthday month and three months after your birthday month. Please note Medicare Part B will have a monthly premium that you can have billed to you, or deducted from your social security check each month. Also, please keep in mind that there are Deductibles for Medicare Part A coverage and Medicare Part B only covers 80% of your medical costs.

Answered by Michael Wallner on December 18, 2025

Agent Licensed in DE, MD & NY

Answered by Michael Wallner Medicare Insurance Agent

Melanie Rogers · Answer

Social Security will automatically enroll you in Medicare A and B to begin the first of the month of your Birthday month. You should receive your Medicare card in the mail about a month before your birthday. They will automatically deduct the Part B cost out of your Social Security monthly check. You should speak with an insurance agent such as myself to educate you on Medicare and your insurance choice with Medgap or Advantage Plans. Information about avoiding penalties and the cost of Medicare A and B and what Medicare covers.

Answered by Melanie Rogers on April 20, 2026

Agent Licensed in FL, GA, OH & TX

Answered by Melanie Rogers Medicare Insurance Agent

Darlene Cerezo Swaffar · Answer

If you are collecting social security, then you will automatically receive your Medicare Card in the mail mostly likely 3 months before you turned 65. You must have both Medicare Part A Hospital and Part B Medical effective, before exploring your Medicare Health Insurance options.

Answered by Darlene Cerezo Swaffar on October 5, 2025

Broker Licensed in FL

Answered by Darlene Cerezo Swaffar Medicare Insurance Agent

Julie Joyce · Answer

You will automatically be enrolled in Medicare! Which means you dont have to sign up through Social Security (really cuts down on your wait time).

George Kolitsas · Answer

In this situation, Social Security will automatically mail your Medicare card in the mail. Usually 3 months prior to the month you turn 65. This is because you are already collecting Social Security income.

Answered by George Kolitsas on March 25, 2025

Broker Licensed in CT

Answered by George Kolitsas Medicare Insurance Agent

Helena Foutz · Answer

If you're already retired and collecting Social Security, then you will be mailed a Medicare card with both Part A and B on it. If you are still on an employer group plan that you really like and it doesn't cost much, you can file form CMS 1763 to return your Medicare for the time being and avoid paying for Part B every month.

Answered by Helena Foutz on March 4, 2025

Broker Licensed in CA, AK, AR & 12 other states

Answered by Helena Foutz Medicare Insurance Agent

Victor Gerber · Answer

You will be automatically enrolled in Part A and Part B of Medicare and mailed your medicare ID card. You will still need to find coverage to supplement Original Medicare.

Julie Kovacevich · Answer

If you are already collecting Social Security benefits when you turn 65, you are typically enrolled in Medicare Part A and Part B. However, if you are still working and have employer coverage that is considered as good as or better than Medicare, you can delay your Part B and Part D enrollment without facing enrollment penalties.
It's important to remember that once your employer coverage ends, you have a limited window to enroll. In many cases, you have 8 months to enroll in Medicare Part B & Part D. Missing those deadlines could result in penalties or gaps in coverage, so it's wise to plan ahead.

Trina Knoche · Answer

You will automatically get signed up for Medicare Part A and B. If you have credible coverage through a spouse. You can choose to delay. Once on Medicare, you'll want to make sure you have a plan in place to fill in the gaps.

Answered by Trina Knoche on April 6, 2026

Agent Licensed in WA, AK, MT & OR

Answered by Trina Knoche Medicare Insurance Agent

Justin Kramer · Answer

You’re automatically set up with Medicare, but you still need to choose how you want your coverage structured.

Azure Miller · Answer

If you’re already getting benefits from Social Security or the Railroad 
Retirement Board (RRB), you’ll automatically get Part A and Part B starting 
the first day of the month you turn 65. If your birthday is on the first day of the 
month, Part A and Part B starts the first day of the prior month.

Fred Manas · Answer

If you're already receiving Social Security retirement benefits and turn 65, you'll be automatically enrolled in Medicare Parts A and B. You don't need to take any further action for automatic enrollment. The Part B premium will be deducted from your Social Security payment. You'll receive a welcome package with your Medicare card about three months before your coverage starts. 
Elaboration:
Automatic Enrollment:
Because you are already receiving Social Security, the Social Security Administration (SSA) will automatically enroll you in Medicare Parts A and B when you turn 65. 
No Action Required:
You don't need to do anything to enroll in Medicare Parts A and B. 
Part B Premium:
The cost of Medicare Part B will be deducted from your monthly Social Security benefit. 
Medicare Card:
You will receive a welcome package with your Medicare card in the mail about three months before your Medicare coverage begins. 
Flexibility:
You can still choose to opt out of Part B if you prefer, or add Medicare Part D (prescription drug coverage) or Medicare Advantage plans.

Vachik Chakhbazian · Answer

you will be automatically enrolled in Medicare Parts A and B. You don't need to take any action to sign up for these parts of Medicare, as it's a seamless process when you're already receiving Social Security benefits.

Answered by Vachik Chakhbazian on July 27, 2025

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

Answered by Vachik Chakhbazian Medicare Insurance Agent

Gary Henderson · Answer

This is a social security question on a Medicare question, so please phrase your question relative to Medicare and I'll be happy to answer it thank you

Mary Brown · Answer

If you’re already collecting Social Security when you turn 65, you’ll usually be automatically enrolled in Medicare Part A and Part B. Your Medicare card is typically mailed to you a few months before your 65th birthday, and your Part B premium is usually deducted directly from your Social Security check.

Answered by Mary Brown on May 19, 2026

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

Answered by Mary Brown Medicare Insurance Agent

Deborah Webster · Answer

you will automatically get your A and B (original Medicare) without having to sign up. Your effective date will be the 1st of the month that you are born in unless your birthday is on the 1st of the month: in that case your effective date will be the 1st of the month before the month you were born.

Answered by Deborah Webster on July 9, 2025

Broker Licensed in Ia & SC

Answered by Deborah Webster Medicare Insurance Agent

Carol Conner · Answer

They will automatically be enrolled in Medicare parts an and Band then be considered in an IEP enrolment period and will need to select either a Medicare supplement and part D prescription plan or part C Medicare advantage. If they have credit or coverage, they can delay part B but if not, they’ll need to enroll in that other could be a lifetime enrolment penalty.

Answered by Carol Conner on October 22, 2025

Broker Licensed in TX

Answered by Carol Conner Medicare Insurance Agent

Rodolfo Rojas · Answer

What type of Health Coverage do you have?
Is the SS taking a certain amount for your Part B from your check? This year, is $185? 
What type of health insurance do you have?

Ben Washington · Answer

What happens if I am already retired and collecting Social Security when I turn 65? you will be automatically enrolled in part A and elected Part B

Brent Mowery · Answer

You are still eligible for a 7 month "Open Enrollment" window with Medicare. Talk with a knowledgeable agent regarding your options.

Sam Silva · Answer

Since you are already receiving Social Security, you will be automatically enrolled in Medicare Part A and Part B at age 65.

Your Medicare card will typically arrive by mail about 3 months before your 65th birthday.

Toni Chavez · Answer

Hello!  You become eligible for medicare with your Initial enrollment period (IEP).  The IEP open  enrollment period is 7 months in duration.

3 months before your 65th birthday, your birth month and 3 months after your 65 birthday.

Hope this answer ls your question.

Toni Chavez 
Medicare Broker

Robert Remin · Answer

What happens will depend on whether you are receiving health coverage from where you worked or not. If you already have health coverage, odds are you would only have to enroll in Medicare Part A. If you're not receiving health coverage from where you work and you're already retired, and you're on some other health plan, you would have to find out from the carrier if you can still stay on the plan. If you're in the exchange, also known as Obamacare, you're gonna have to leave that when you turn 65. If you are not on a current plan and you turn 65, and you're collecting Social Security, that doesn't really matter. You will automatically get enrolled in Medicare Part A and B by the Social Security Administration if you don't do it on your own within the six-month window you have to do so, which is three months before you turn 65 or three months after you turn 65. If you are enrolled in Medicare Part B, even if you're retired and you're getting Social Security benefits, your Part B premium is gonna be automatically deducted from your Social Security benefits. I hope that answers your questions. If you have any more questions, please contact me at 914-629-1753. My name is Robert Remin. I am a totally independent agent and assist people in making sure they are in the most appropriate Medicare plan for their situation. I'm licensed in New York, Connecticut, New Jersey, and Florida.

Jim Willis · Answer

Simply put, nothing that wouldn't happen anyway.  Your Part B premium will come out of your Social Security check and Part A will be paid by your work credits over the years.

David Christian · Answer

You will automatically be enrolled into Medicare Part A and Part B. If you do not want Part B at 65 and want to delay it, you must contact Medicare.

Answered by William Lewkowski on October 27, 2025

Broker Licensed in TN, AL, AR & 30 other states

Answered by William Lewkowski Medicare Insurance Agent

Amy Jones · Answer

You would still be eligible to make changes to your Medicare Advantage plan during the 3 months before, the month of, and 3 months after you turn 65, even if you had enrolled in a Medicare plan prior to that time frame. This would typically be the case if someone is receiving disability benefits before they turn 65.

Answered by Amy Jones on March 30, 2026

Broker Licensed in WV, AL, AZ & 29 other states

Answered by Amy Jones Medicare Insurance Agent

Blaine Shipe · Answer

You will have Medicare Part B unless you opt out. If you have anymore questions contact me. Blaine

Al Saponar · Answer

You are still eligible to apply for Medicare part B when you turn 65.
Most likely, since you are already drawing social security, they will send your Medicare card about 90 days prior to the month you turn 65.
Then, a licensed Agent, such as myself, can assist you with Medicare Supplement, or Medicare Advantage plans, to help cover what Medicare does not fully cover. As well as Part D coverage as well for prescriptions.

Cynthia Allen · Answer

When you turn 65 you will be automatically enrolled into Original Medicare Part A and B- which provides you with health insurance.  Your Part A premium is generally free as long as you or your spouse paid Medicare taxes while working.  There will be a premium for Part B, and that premium will be based upon your income.  You will have the options of getting a Prescription Drug Plan and or a Medicare Supplement plan or a Medicare Advantage plan in addition to Original Medicare Part A/B..  Original Medicare Part A/B will only cover 80% of any medicare costs, so it might be a good choice to have the other 20% covered through additional coverage.  It would be best to talk with a Medicare insurance agent to go over your options.  Medicare coverage will begin on the 1st day of your birthday month.

Aisha Saleem · Answer

You will automatically be enrolled in Medicare Part A and B. You don't have to do anything, but it's best to know your options and choose what benefits you the most.

Sonya Chandler · Answer

If you are already retired and collecting Social Security when you turn 65, you are generally automatically enrolled into Medicare Parts A and Part B when you turn 65.

Daniel Underwood · Answer

If you’re already retired and getting Social Security at 65, you’ll usually be signed up for Medicare Part A and Part B automatically. You can choose to keep Part B or decline it if you have other coverage.

Anthony Albano · Answer

You will qualify for Medicare A & B in just about all cases. Medicare will automatically send you a Medicare card prior to your birth month. You can then begin shopping for Medicare plans.

Alyssa Gonzales · Answer

You’ll be automatically enrolled in Medicare Parts A and B, no need to sign up yourself. Your Medicare card will arrive in the mail a few months before your 65th birthday.

Tyler Coleman · Answer

You will be automatically enrolled in Medicare Parts A and B. You will receive your Medicare card a few months before you turn 65. Your Medicare card will be red, white, and blue.

Kevin Johnson · Answer

If you are retired and collecting Social Security, turning 65 means you are automatically enrolled in Medicare Part A and Part B, and your benefits are not affected by your Medicare enrollment. If you have been working and earning income, the Social Security Administration (SSA) will review your earnings to see if they increase your monthly benefit amount. If you were receiving benefits before age 65, you will continue to do so, and your benefits will not change just because you turned 65

Ira Smith · Answer

If you're already collecting Social Security, you will automatically be enrolled Medicare. The monthly premium for Medicare Part B ($202.90 in 2026) will be automatically deducted from Social Security.

Answered by Donna Lueders on March 2, 2026

Broker Licensed in FL, GA, LA, NC & SC

Steven Rodriguez Giudicelli · Answer

You will generally be automatically enrolled in Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). You will likely receive your Medicare card a few months before your 65th birthday. If you don't want Part B coverage (for example, because you have other comparable health coverage through a spouse's current employer), you will have the option to decline it.

Marc Gilman · Answer

If you are already receiving Social Security benefits when you turn 65, you will automatically be enrolled in Medicare. Your enrollment will include both Medicare Part A (hospitalization) and Part B (medical insurance).

Luis Mendoza · Answer

If you’re already on Social Security at 65, Medicare shows up automatically—you don’t have to lift a finger. But you do have to make choices about drug coverage and whether to stick with Original Medicare + Medigap or go Medicare Advantage.

John Stagner · Answer

If you are already collecting Social Security at age 65, Medicare enrollment is automatic. You will receive your card about 100 days before the first day of your birth month.

For example, if you turn 65 in July and you are already collecting Social Security, your card should arrive around the last week in March.

The exception to this is when you apply for Social Security within 3 months of your birth month. There can be a delay in getting everything automated in time, and you may get a bill for 3-5 months of Medicare premiums all at once. 

If that happens, simply create an account at Medicare.gov, and you will be able to pay one month at a time. That allows enough time for Social Security and Medicare to get in sync, so your premiums come out of your Social Security.

Eric Jensen · Answer

If you're already getting Social Security benefits before you turn 65, you shouldn't need to do anything to sign up for Origjnal Medicare when you turn 65. 
You should be automatically enrolled in both Medicare Part A (Hospital Insurance) and Part B (Medical Insurance).

Dalyaness Martinez · Answer

It will simply change the status, but nothing will change money wise. I'm able to help you understand it more if you need me to

Lisa Schaad · Answer

If you’re already retired and collecting Social Security when you turn 65, you don’t have to do much—Medicare usually signs you up automatically. Your Part A (hospital coverage) and Part B (medical coverage) will start the month you turn 65, and you’ll get your red, white, and blue Medicare card in the mail a few months before.

The part you still need to decide is whether you want to add a Medicare Advantage plan, a Part D drug plan, or a Medicare Supplement. Social Security gets you into Original Medicare, but you still have choices on how to set up the rest of your coverage.

Justin Hundley · Answer

If you are already receiving social security benefits when you turn 65, then you will automatically be enrolled in Original Medicare (Medicare Part A and Part B). Your Medicare coverage will start on the first day of the month of your 65th birthday, or the previous month if your birthday happens to be on the first day of the month. 

However, your enrollment into a Medicare supplement, a Medicare advantage plan (Medicare Part C), or a Medicare Prescription Drug Plan (Medicare Part D), is not automatic. I would recommend working with a licensed Medicare agent to discuss what options are available and to help you enroll.

Mark Mabaquiao · Answer

As it relates to your Medicare benefits, Social Security (SS) will automatically enroll you into Medicare Parts A & B with an effective date of the 1st of the month you turn 65. You should expect to receive your Medicare card from SS approximately three months before the month you turn 65.

Moreover, if you're also enrolling in a Medicare Advantage or Medigap (plus stand-alone drug plan) plan, you want to start researching or working with a trusted expert 2-3 months before the month your turn 65.

Hollie Hittner · Answer

You will automatically be opt in to Medicare. You Red White and Blue card will automatically arrive up to 3 months before your birthday.

Steve Dunn · Answer

If you already retired and are collecting Social Security when you turn 65, your Medicare enrollment happens automatically.

Kristen Maurice · Answer

If you are collecting Social Security when you turn 65 you will automatically be enrolled in Part A (Hospital Care) and Part B (Medical Care) You do not need to do anything to enroll in Medicare and the part B premium of $185 will automatically be deducted from your social security check.

$185 for 2025

Answered by Donnie Vermillion on May 13, 2025

Broker Licensed in TX

Answered by Donnie Vermillion Medicare Insurance Agent

Chris Hunsucker · Answer

If you’re already receiving Social Security retirement benefits when you turn 65, your Social Security payment usually just continues normally; turning 65 does not trigger a new Social Security change by itself. What does happen for most people is Medicare: if you’re already collecting Social Security, you’re typically enrolled automatically in Medicare Parts A and B at 65, and Part B premiums are usually deducted from your Social Security check.