How to Enroll in Medicare After 65
Enrolling in Medicare After 65 (SEP)
If you delayed Medicare because of employer coverage, you can enroll using a Special Enrollment Period (SEP) — typically within 8 months of losing that coverage.
Turning 65 and enrolling for the first time?
This page covers enrolling after 65 using a Special Enrollment Period. If you are approaching 65 and enrolling through your Initial Enrollment Period, see the dedicated guide:
How to Enroll in Medicare at 65Enrolling After Age 65
Download PDF GuideIf you delayed enrolling in Medicare Part B because you were covered by an employer group health plan (through your own or your spouse's current employment), you can use a Special Enrollment Period (SEP) to enroll without a late penalty.
When Can You Use a SEP?
- You were covered by an employer group health plan based on current employment
- You are now losing that employer coverage (retirement, job loss, employer ending coverage)
- You enroll in Part B within 8 months of losing that employer coverage
COBRA and retiree health coverage do not count as employer group health coverage for SEP purposes. The 8-month window starts when the active employment-based coverage ends.
Forms You'll Need
How to Submit
Submit both forms to your local Social Security Administration office:
- Mail to your local Social Security office
- Bring in person to a Social Security office
- Call SSA at 1-800-772-1213 to confirm fax options
After You Enroll in Part B
Once enrolled in Part B, you'll want to consider additional coverage to fill the gaps — Medicare Supplement (Medigap) plans, Medicare Advantage, and Part D drug coverage. Call Fred at 763.292.9837 to review your options.