Today, technology is available to help with many aspects of life. Luckily, this means you can sign up for the four main parts of Medicare online.
Apply for Medicare Online
Applying for each part of Medicare online is different. As Original Medicare (Parts A and B) is federal health insurance, you sign up for both on the Social Security Administration website. Part A is your inpatient hospital insurance, and Part B is your outpatient medical insurance. Both parts of Original Medicare are the same for everyone who enrolls.
In contrast, with Medicare Advantage (Part C) and prescription drug coverage (Part D), you’ll need to choose from multiple plan options. Private insurance companies offer these policies, for which coverage varies. You can shop around online to find the best Advantage or Part D plan available to you.
How to Apply for Medicare Parts A and B Online
The Social Security Administration website (SSA.gov) has one portal where eligible individuals can sign up for Part A and Part B. To get started, click the link for Medicare on the SSA homepage. If you don’t already have a My SSA account, you’ll need to create one.
Once you have a My SSA account, the process only takes about ten minutes. Afterward, you can log back in to check on your application’s status.
If you still have health care coverage through an employer with 20 or more employees, you may wish to delay Part B because your coverage is creditable for Medicare. Part A is premium-free for those who have sufficient tax credits, but Part B involves a monthly premium.
When delaying, you’ll also need to fill out form CMS-1763 and mail it to the Social Security field office by you. On this form, you’ll check the box to request termination of your medical insurance (Part B).
If you’re unsure whether the coverage you have now is creditable, call Medicare to find out and have information about your current health insurance handy. If you delay Part B without creditable coverage, you’ll need to pay a penalty on top of your monthly premium.
Applying for Medicare Advantage Online
When you have Part C (Medicare Advantage), the private insurance company for your plan pays instead of Medicare. You’ll need to have Parts A and B before applying for an Advantage plan. If you get Social Security benefits, you’ll enroll automatically.
Have your effective date for Original Medicare ready, along with your Medicare number from your red, white, and blue card. You can then start the plan selection and application process online. Make sure your plan includes your doctors in its network and medications on its formulary.
How Do I Apply for Medicare Part D Online?
Unlike with most Medicare Advantage plans, Original Medicare doesn’t include prescription drug coverage. However, this coverage is available through Part D of Medicare from private insurance companies.
When you have Original Medicare, you can shop for a Part D plan online. Like Part C plans, the availability of Part D plans varies across locations. When choosing a policy, make sure the formulary includes all your prescriptions and specific doses.
How to Enroll in Medicare Parts A and B Online
Visit the Social Security Administration website to apply for Medicare online. To get started, click the link for Medicare on the homepage and create a My SSA account.