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Can I enroll in Medicare if I claim Social Security retirement benefits at age 62? 

En español | Generally speaking, no. You can only enroll in Medicare at age 62 if you meet one of these criteria:

  • You’ve already been on Social Security Disability Insurance (SSDI) for at least two years.
  • You are on SSDI because you suffer from amyotrophic lateral sclerosis, also known as ALS or Lou Gehrig’s disease. (The two-year requirement is waived in this case.)
  • You suffer from end-stage renal disease.

Otherwise, your initial enrollment period for Medicare begins three months before the month of your 65th birthday. For example, if you turn 65 on July 4, 2020, the enrollment window opens on April 1.

If you are already receiving Social Security benefits, the Social Security Administration, which handles Medicare enrollment, will send you an information package and your Medicare card at the start of the sign-up period. You’ll be automatically enrolled in Medicare Part A (hospitalization) and Part B (standard health insurance) in the month you turn 65.

Keep in mind

Updated December 16, 2019

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