Do I apply for Medicare online, by phone, or in person?
The short answer
You can apply for Medicare online at SSA.gov, by calling Social Security at 1-800-772-1213, or by visiting a local Social Security office in person. All three options are legitimate and lead to the same result.
The full explanation
Most people find the online application at SSA.gov to be the fastest and most convenient option. It typically takes less than 30 minutes, you can do it from home, and you'll get a confirmation right away. The application covers both Part A (hospital coverage) and Part B (doctor and outpatient coverage), and you can apply up to three months before you want coverage to start. If you're more comfortable talking to someone, calling Social Security at 1-800-772-1213 works well. Wait times can vary, so calling midweek and earlier in the day tends to be quicker. In-person appointments at a Social Security office are also available if you prefer face-to-face help or have a complicated situation, like coordinating Medicare with a spouse's employer coverage. One thing to know: applying for Medicare through Social Security is how you get Parts A and B. If you later want a Medicare Advantage plan, a Medicare Supplement plan (sometimes called Medigap), or a Part D drug plan, those are purchased separately through private insurance companies. Getting enrolled in Parts A and B is just the first step.
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