How To Apply Online For Just Medicare
You can apply online for Medicare even if you are not ready to retire. You can use our online application to sign up. It takes less than 10 minutes. There are no forms to sign and usually no documentation is required. Social Security will process your application and contact you if we need more information.
Medicare is managed by the Centers for Medicare and Medicaid Services (CMS). Social Security works with CMS by enrolling people in Medicare.
For more information about applying for Medicare only and delaying retirement benefits, visit Applying for Medicare Only – Before You Decide.
To find out what documents and information you need to apply, go to the Checklist For The Online Medicare, Retirement, And Spouses Application.
To help protect your identity, your Medicare card has a Medicare Number that’s unique to you. If you did not receive your red, white, and blue Medicare card, there may be something that needs to be corrected, like your mailing address. You can update your mailing address by logging in to or creating your personal my Social Security account. Learn more about your Medicare card.
Learn about Medicare
Medicare is our country’s health insurance program for people age 65 or older. Certain people younger than age 65 can qualify for Medicare, too, including those with disabilities and those who have permanent kidney failure. To learn more, read our Medicare publication.
Already Enrolled in Medicare
If you already have Medicare, you can get information and services online. Find out how to manage your benefits.
If you are already enrolled in Medicare Part A and you want to enroll in Part B, you cannot use our online application. Please mail your completed application, CMS-40B, Application for Enrollment in Medicare – Part B (Medical Insurance) to your local Social Security field office. If you are applying for Medicare Part B due to a loss of employment or group health coverage, you will also need to complete form CMS-L564 (Request for Employment Information). Return the completed forms to your local Social Security office by mail or fax it to 1-833-914-2016.
Note When completing the CMS L564:
- State on the form “I want Part B coverage to begin (MM/YY)”
- If your employer is unable to complete Section B, please complete that portion as best as you can on behalf of your employer without your employers signature and submit one of the following forms of secondary evidence:
- income tax returns that show health insurance premiums paid;
- W-2s reflecting pre-tax medical contributions;
- pay stubs that reflect health insurance premium deductions;
- health insurance cards with a policy effective date;
- explanations of benefits paid by the GHP or LGHP; and
- statements or receipts that reflect payment of health insurance premiums.
You’ll have Original Medicare unless you make another choice. You can decide to add a drug plan (Part D) or buy a Medigap policy to help pay for costs that Original Medicare doesn’t cover. You can choose to join a Medicare Advantage Plan (Part C) and get all your Medicare coverage (including drugs and extra benefits like vision, hearing, dental, and more) bundled together in one plan.
Some people with limited resources and income may also be able to get Extra Help to pay for Part D drug costs.
Applying for Medicare
When you apply for Medicare, you can sign up for Part A (Hospital Insurance) and Part B (Medical Insurance). Because you must pay a premium for Part B coverage, you can turn it down. However, if you decide to enroll in Part B later on, you may have to pay a late enrollment penalty for as long as you have Part B coverage. Your monthly premium will go up 10 percent for each 12-month period you were eligible for Part B, but didn’t sign up for it, unless you qualify for a "Special Enrollment Period".
If you’re eligible at age 65, your initial enrollment period begins three months before your 65th birthday, includes the month you turn age 65, and ends three months after that birthday. However, if you don’t enroll in Medicare Part B during your initial enrollment period, you have another chance each year to sign up during a “general enrollment period” from January 1 through March 31. Your coverage begins on July 1 of the year you enroll. Read our Medicare publication for more information.
Questions about our online application
Who can apply for Medicare online?
You can use our online Medicare application if you:
- Are at least 64 years and 9 months old;
- Want to sign up for Medicare but do not currently have ANY Medicare coverage;
- Do not want to start receiving Social Security benefits at this time; and
- Are not currently receiving Social Security retirement, disability or survivors benefits.
When should I apply?
You should sign up for Medicare three months before reaching age 65, even if you are not ready to start receiving retirement benefits. You can opt out of receiving cash retirement benefits now once you are in the online application. Then you can apply online for retirement benefits later.
With our online application, you can sign up for Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). Because you must pay a premium for Part B coverage, you can turn it down.
If you choose not to enroll in Medicare Part B and then decide to do so later, your coverage may be delayed and you may have to pay a higher monthly premium for as long as you have Part B. Your monthly premium will go up 10 percent for each 12-month period you were eligible for Part B, but didn’t sign up for it, unless you qualify for a "Special Enrollment Period."
Special Enrollment Period (SEP)
If you have medical insurance coverage under a group health plan based on your or your spouse's current employment, you may not need to apply for Medicare Part B at age 65. You may qualify for a "Special Enrollment Period" (SEP) that will let you sign up for Part B during:
- Any month you remain covered under the group health plan and your, or your spouse's, employment continues; or
- The 8-month period that begins with the month after your group health plan coverage or the employment it is based on ends, whichever comes first.
Why apply for Medicare online?
Using the online Medicare application has a number of benefits. You can:
- Avoid trips to your Social Security Office, saving you time and money.
- Answer questions at your convenience by starting and stopping the application without fear of losing any information you entered.
- Make corrections to the application prior to submission.
- Submit your application electronically. There is no need to mail in your application. When you are finished, just select “Submit Now” to send your application to Social Security.
- Receive a receipt online for your application that you can print and keep for your records.
- Check the status of your application online. You will receive a confirmation number once you submit your application.
What happens after I apply?
Once we receive your application, we will
- Review your application and contact you if we need more information or if we need to see your documents;
- Process your application once we have all of the necessary information and documents; and
- Mail you a decision letter.
If your application is approved, the Centers for Medicare & Medicaid Services will send you a Welcome to Medicare packet in the mail with your Medicare card. You will also receive the most current version of the Medicare & You handbook, with important information about your Medicare coverage choices.
Other Medicare registration/enrollment options
You can also apply:
- By phone - Call us at 1-800-772-1213 from 7 a.m. to 7 p.m. Monday through Friday. If you are deaf or hard of hearing, you can call us at TTY 1-800-325-0778.
- In person - Visit your local Social Security office. (Call first to make an appointment.)
If you do not live in the U.S. or one of its territories you can also contact the Federal Benefits Unit that provides service to your country of residence.