Apply for Medicare

Applying for Medicare does not have to be a difficult process. If you have been receiving disability benefits for two years or more regardless of age, you will automatically receive Medicare coverage. You are also automatically eligible if you are suffering from End-Stage Renal Disease (ESRD) or receive Railroad Retirement Board (RRB) benefits.

You can begin the Part A and B application process three months before you turn 65. If you apply 3 months after your 65th birthday, you may receive lifetime late fees. For these reasons, we recommend applying as soon as possible in order to avoid coverage gaps and additional costs.

This late penalty will also apply if you delay your application to Medigap and/or Part D prescription drug coverage. You may also apply for Medicare Advantage during any open enrollment period without additional fees.