If you are NOT receiving Social Security benefits prior to turning 65, you need to contact the Social Security Administration to sign up for Medicare. You have a seven month window to do this, beginning three months before your 65th birthday, the month of your birthday, and three months after your 65th birthday. Remember that the later you sign up, the later your Medicare benefits will begin.
The best source for answers to questions about these benefits is SHINE (Serving the Health Insurance Needs of Everyone) Counselor.
To make an appointment with a Counselor call your local senior center or call 1-800-AGE-INFO (1-800-243-4636) option #3.
Are you on MEDICARE because of a disability?
The above information also applies to you. The SHINE Program is available to disabled MEDICARE beneficiaries of all ages to help you understand this information and guide you through the process of signing up for Medicare. The Commonwealth of Massachusetts has a special health insurance program for people with disabilities. Call SHINE for more information.