For many Americans, finally making it to Medicare age is somewhat of a right of passage. Why not? Working Americans have paid into this system most of their lives, and now it is time to reap the benefits. Just to ensure that you are familiar with the enrollment process for Part A and Part B, we’ll go over the basics.

Medicare-GalsWe can answer your Medicare questions
If you have any questions, please let Trusted Senior Specialists help you. Also, once you have applied for Medicare Part A and Part B, don’t forget to consider options for Medicare Part D, a Medicare supplement, or a Medicare Advantage plan. Please contact us at 1-855-474-6234 or at

Are you automatically signed up for Medicare Part A and Part B?
Some people do automatically qualify for benefits. These are typical examples that apply to most people:

  • Turned 65 and are already getting social security or RRB (Railroad Retirement Benefits)
  • Received 24 months of social security disability benefits (Under 65) for most disabilities

Who needs to sign up for Medicare?
If you decided to delay Social Security or RRB benefits because you are still working, you still need to apply for Medicare. This used to take a visit to a nearby Social Security office, but now you can even apply for Medicare online at the Social Security website. If you would like to not apply online, one of our friendly, knowledgeable agents can help you with this process right over the phone.

Do you have to apply for Medicare when you turn 65?
Most people accept Medicare benefits as soon as they qualify. However, some folks already have group health insurance from an employer when they turn 65, so they decide to wait. People who delayed Medicare benefits for a qualifying reason, like having group health insurance, are allowed a special enrollment period that they can use to apply later.

It is important to note that not all health insurance plans are considered qualifying reasons to delay Medicare. Examples of plans that don’t qualify might be retiree health plans, COBRA, and individual major medical.

Do you have more questions about qualifying and signing up for Medicare?
Most folks are simply enrolled in Medicare when they begin getting Social Security at the age of 65. However, there are plenty of exceptions for people who do not enroll in both programs at the same time or at any particular age. You can learn more at the website or contact us for assistance at 1-855-474-6234 or at