It’s important to understand how your current coverage works with Medicare. If you have questions about your current insurance, the best source of information is to call us.
Are you turning 65?
If you aren’t getting benefits from Social Security (or the RRB) at least 4 months before you turn 65, you'll need to sign up with Social Security to get Parts A and B. However, depending on the size of the employer, you may be able to delay Parts A and B without having to pay a penalty if you enroll later.
In most cases, you don't need to do anything until you (or your spouse) retire or you lose the employer coverage. If you didn’t enroll when you were first eligible, the size of the employer determines whether you have to pay a penalty if you enroll later.
Under 65 with a disability?
Medicare is available for certain people with disabilities who are under age 65. These individuals must have received Social Security Disability benefits for 24 months or have End Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS, also known as Lou Gehrig's Disease).