Reviewed July 31, 2026

Enroll in Medicare Parts A and B

Apply through Social Security when you are not automatically enrolled. The correct route depends on whether you need Part A and Part B together, Part A only, or Part B after delaying it.

Use the Social Security application

Social Security accepts online Medicare applications for many people age 65 or older. Part B-only enrollment and special situations may use a different online flow or CMS forms.

Steps

  1. Confirm whether you are already enrolled automatically.
  2. Identify your Initial, Special, or General Enrollment Period.
  3. Decide whether to enroll in Part A, Part B, or both.
  4. Apply through Social Security online, by appointment, or through the applicable Part B process.
  5. Save your confirmation and review the enrollment notice and effective date.

Part B after employer coverage

If you delayed Part B because of current-employment group health coverage, Social Security may request Form CMS-40B and evidence of employment coverage using Form CMS-L564. The online Part B Special Enrollment Period application may collect this information electronically.

Railroad beneficiaries

Contact the Railroad Retirement Board rather than using the standard Social Security route when it administers your benefits.

Official sources

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