Medicare
Medicare and Social Security: how they connect
If you already receive Social Security retirement benefits when you turn 65, you are generally enrolled in Medicare Parts A and B automatically, and the Part B premium is deducted from your benefit. If you are not collecting yet, you sign up for Medicare yourself.
Two paths
- Already collecting Social Security: enrolled automatically at 65, and your card arrives by mail.
- Not collecting yet: you enroll in Medicare on your own during your first enrollment period, even if you delay Social Security.
- If you are paid by bill rather than a deducted amount, the Part B premium is billed to you.
What to watch
Enrolling in Part A when you claim Social Security can start Part A up to six months back, which matters if you contribute to an HSA. If you are still working with employer coverage, ask about the timing before you enroll in Part B.
Have this ready when you call
- Your date of birth
- Whether you have claimed Social Security
- Your employer coverage details
Common questions
Do I get a card even if I do not collect Social Security?
You need to sign up first. The card comes after you enroll.
Can I pay the Part B premium out of pocket?
Yes, if it is not deducted from a benefit, you are billed.
Related answers
Rather talk it through?
Call 855-367-1095 and a licensed agent will go through your situation with you. There is no charge to ask, and no obligation to enroll.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
GetFastRates.com is not connected with or endorsed by the U.S. government or the federal Medicare program. Calling connects you with licensed insurance help. Plan availability, costs, benefits, and enrollment rules can vary by state, carrier, and individual situation.