In general, if individuals already receive Social Security benefits, they are automatically enrolled in Medicare Part A, effective the month they turn 65.  Enrollment in Part B, which is offered at that time, is voluntary.  However, if an individual elects not to enroll in Medicare Part B when first eligible and decides to enroll later, the cost of Part B will go up 10% for each 12-month period that the individual could have had Part B but chose not to enroll, except in special circumstances outlined in the Medicare and You 2007 guide.  Approximately 95% of beneficiaries with Part A enroll in Part B.  A Medicare card is sent out about three months prior to the date that people become eligible for coverage if they are already receiving Social Security benefits.

 

The initial enrollment period for Medicare Part B begins three months prior to the 65^th birthday, includes the month the individual turns 65, and then concludes with the third month following. Delaying enrollment until one’s 65^th birthday will delay the effective date of Medicare Part B coverage.  If individuals are not yet receiving Social Security benefits, when they are about to turn 65, they should call or visit their local Social Security office about three months prior to their 65^th birthday to inquire as to whether they should enroll in Medicare at that time.