How to apply for Medicare 65

If you’re 65 or older, you can enroll online for Parts A and B, or Part A only. You can delay Part B if you’re already covered through an employer group health plan.

Sign up for Part B only

If you already have Part A and previously declined or never signed up for Part B, you can sign up for Part B only.

• Available in most U.S. time zones Monday through Friday, 8 a.m. to 7 p.m., in English, Spanish, and other languages.

Call +1 800-772-1213

• Tell the representative you want to sign up for Medicare Parts A and B, or Part A only.

Call TTY +1 800-325-0778 if you’re deaf or hard of hearing.

Costs vary depending on the plan you choose, but may include:

• Part B Monthly Premium Base $202.0
• IRMA Monthly premiums taken out of your social Security check
• Deductibles
• Copays and coinsurance

Factors that affect cost:

• Income level look back two years
• Coverage type
• Address Location

Late Enrollment Penalty: A Medicare late enrollment penalty is a permanent surcharge added to your monthly premium for failing to sign up for Medicare when first eligible. Your premium may increase by 10% for each 12-month period you were eligible but did not enroll, unless you qualify for a special enrollment period.

What is a Part D Penalty

1% of the national base beneficiary premium is multiplied by the number of months you went without Part D or other “creditable” drug coverage (like an employer plan).