when do you have to start getting medicare

You generally have to start signing up for Medicare when you first become eligible, which is usually at age 65. The key window is the 7-month Initial Enrollment Period: 3 months before the month you turn 65, the month you turn 65, and 3 months after that month.

What to know

• Most people enroll in Part A and Part B when they’re first eligible, usually at 65.

• If you already receive Social Security before 65, you may be enrolled automatically.

• Some people can qualify earlier than 65 because of a disability, ALS, or End-Stage Renal Disease.

• If you miss your first enrollment window, you may face delays and late enrollment penalties.

When you can wait

• If you or your spouse still have active employer coverage, you may be able to delay Medicare without a penalty.

• COBRA or retiree coverage usually does not let you delay in the same way.

Simple rule

If you’re turning 65 soon, start checking your Medicare timing about 3 months before your birthday so you don’t miss the sign-up window.

TL;DR

For most people, Medicare starts at 65, and you should sign up during the 7-month window around that birthday.