Will I Be Automatically Enrolled in Medicare at 65?
Yes, if you are already receiving Social Security or Railroad Retirement Board (RRB) benefits at least 4 months before turning 65, you will be automatically enrolled in Medicare Part A and Part B.
Frequently Asked Questions
- Can I decline Part B if I'm auto-enrolled?
- Yes. If you have qualifying employer coverage, you can send back the Medicare card and decline Part B. You can enroll later using a Special Enrollment Period.
- What if I started Social Security less than 4 months ago?
- If you started benefits fewer than 4 months before turning 65, you may not be auto-enrolled and should check with Social Security or sign up manually.
- Does auto-enrollment include Part D?
- No. Auto-enrollment only covers Part A and Part B. You need to separately enroll in a Part D drug plan or a Medicare Advantage plan that includes drug coverage.