Milestone Medicare
Not a Government Entity
When Should You Enroll in Medicare?
4-6 Months Before
Your 65th Birthday
Learn the parts of Medicare. Medicare has four parts — A, B, C, and D — and each covers something different. Understanding what each part does, and what it costs, helps you make better decisions when it's time to choose coverage.
Contact Social Security to confirm your eligibility and premium amounts. Set up or log in to your Social Security account at ssa.gov. Learn how here. Confirm when your Medicare eligibility begins and what your Part B premium will be. If your income is above a certain threshold, you may be subject to a higher premium through IRMAA. If your income is limited, you may qualify for assistance.
Think about whether to delay Part B. If you are still working and have coverage through an employer, you may be able to delay Part B enrollment without penalty — but only if your workplace coverage qualifies. This is worth confirming before you assume you can wait.
If you contribute to a Health Savings Account, talk to us before enrolling in Part A. Enrolling in Part A makes you ineligible to continue contributing to an HSA. Timing matters. Learn more here.
3 Months Before
Your 65th Birthday
Enroll in Medicare Parts A and B, unless you have decided to delay because you have other, confirmed creditable coverage. You can enroll online at ssa.gov or by calling 1-800-772-1213. If you are already receiving Social Security benefits, you may be enrolled automatically — check your mail for your Medicare card. Visit our Enroll in Original Medicare page to Learn More.
Choose your coverage. Once you have Parts A and B, you need to decide how you want to structure your coverage — Medicare Advantage, Medicare Cost, Medicare Supplement with Part D, or another option depending on where you live. This is where we can help.
We can compare your options, check your prescriptions, and walk you through enrollment at no cost to you. Email us at info@milestonemedicare.com, fill out our contact form, or call 763-878-5994.