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Medicare is a separate program from Social Security, and yes, you should enroll at age 65 even if you are still working and not yet drawing retirement benefits.

Please note that enrollment is not automatic; you have to sign up for Medicare either online, by mail or at your local Social Security field office.

You are strongly encouraged to apply as soon as you become eligible because you may have to pay a higher monthly premium if you wait too long.

Additional Information Per Discussion

If a person is already receiving Social Security benefits (which the question clearly states is not the case), enrollment in Medicare Part A (hospitalization insurance) typically would be automatic.

When a person becomes eligible for Medicare at age 65, but is not yet retired, he or she has to make an active choice to enroll in Medicare. The enrollment period begins three months before the month of the person's 65th birthday and continues for 3 months afterward. If the person neglects to enroll during the seven-month window, he or she has to wait for a future general enrollment period (January-March) to join.

All Medicare Part A recipients have a choice whether to enroll in Medicare Part B (doctors' visits and outpatient) or C (Advantage comprehensive plans), or opt out due to alternate coverage (or for whatever reason). If the person doesn't intentionally sign up, the default would be to opt out.

People who sign up for Part B prior to retirement receive a bill for premiums.

Medicare Part D (prescription drug) coverage is available after retirement. If you are on Medicare Part A or Part B, you can buy a Part D policy at retirement or later, during an open-enrollment period (November-December). Delayed enrollment may result in higher premiums.

People with Medicare Part C (Medicare Advantage) often receive drug coverage through their Advantage plans.

Medicare Part A (hospital coverage) is available "free" because we pay for it in advance through FICA contributions during our working years. Nevertheless, a person who is not receiving Social Security retirement benefits must still enroll in Part A, even though there is no cost of enrollment.

As stated above, Medicare Part B or C, if elected, is billed to the recipient. The premiums can be deducted automatically from cash retirement benefits only after the person retires.

For more information, see Sources and Related Links, below.

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13y ago
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13y ago

No - you have to apply.

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Q: If you are not on Social Security do they still put you on Medicare at age 65?
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Related questions

What is social security and Medicare?

The (OASDI) Old Age Survivor and Disability Insurance (FICA) (social security and Medicare taxes) all mean the same tax.


Is social security still withheld from a paycheck at age 65?

Yes it would be the same if you were working at age 100 and earned income from providing your services. You would still be required to pay the social security and medicare taxes on the earned income.


Do you get Medicare part a at age 62?

You get medicare soon after your 24th consecutive social security check. Sucks, don't it? If you retire at 62, you'll get it at 64. Unless you are receiving [Social Security] Disability Insurance Benefits, eligibility for all parts of Medicare begins at age 65.


Can you pay for medicare benefits if you are only 62?

Medicare eligibility starts at age 65 except for disabled Social Security beneficiaries. Medicaid is available for indigent adults who have dependent children or are disabled as defined by Social Security regulations.


Do social security still cover health insurance for adults?

Social Security is not a health insurance program. Medicare covers medical care for persons over age 65 and certain persons who are totally and permanently disabled as defined by Social Security regulations.


How do you enroll in Medicare?

If you begin taking Social Security at age 62 you will automatically be enrolled in Medicare Part A and Part B when you turn 65 if you are eligible. Otherwise, you should contact 1-800-MEDICARE to confirm you desire to start your benefits at age 65 or later, depending on your circumstances.


What is the purpose of social security taxes?

Thats where the money comes from to pay you social security.


Are you required to pay into Medicare forever?

In general, Medicare is deducted from any earned income, regardless of the age or Social Security/Medicare eligibility of the wage earner.


What disadvantage would be experienced by a person applying for their social security benefits at age 62?

When you apply for social security at the age of 62, you are not going to be able to get your full retirement amount. You are also not eligible for Medicare at this age.


How do social security and Medicare work?

Social Security provides cash payments, and Medicare provides health care, to citizens age 65 and older or permanently and totally disabled. Both programs are funded by payroll taxes.


What taxes are matched by employers?

The employee social security and medicare taxes are matched by the employer. The (OASDI) Old Age Survivor and Disability Insurance (FICA) (social security and Medicare taxes) all mean the same tax.


What does fica pay for?

The (OASDI) Old Age Survivor and Disability Insurance (FICA) (social security and Medicare taxes) all mean the same tax. Possible future social security benefits and some medicare insurance coverage.