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Applying for Medicare

If you're New to Medicare and researching, you've come to the right place! Whether you need to know if you must enroll or how to enroll into Medicare or if you're wondering what your options are once you've enrolled, we can help answer your questions.

Please feel free to browse our self-help information below or call us anytime at (513)718-0444. We love to answer questions about Medicare!

I'm turning 65 and already receiving Social Security Retirement for at least the previous 4 months.

If you already get benefits from Social Security or the RRB (or will be getting benefits at least 4 months before you turn 65), you'll get Medicare Part A and Part B automatically when you're first eligible and don't need to sign up.

If your birthday is on the first day of the month, Part A and Part B will start the first day of the prior month. Medicare will send you a "Welcome to Medicare" packet along with your red, white, and blue card 3 months before you turn 65.

You'll still have other important deadlines and actions to take, so read all the materials in the packet. (If you live in Puerto Rico, you'll only get Part A.

If you want Part B, you need to sign up for it. You don’t need to sign up for Medicare each year.

I'm turning 65 and NOT receiving Social Security 4 months prior.

If you're turning 65 in the next 3 months and not already getting benefits from Social Security or the Railroad Retirement Board (RRB), you’ll need to sign up with Social Security to get Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). You won't get Medicare automatically. To sign up:

Apply online at Social Security. Call Social Security at 1-800-772-1213 (TTY: 1-800-325-0778). If you worked for a railroad, call the RRB at 1-877-772-5772.

About 2 weeks after you sign up for Medicare or Social Security benefits, Medicare will send you a "Welcome to Medicare" packet along with your red, white, and blue card 3 months before you turn 65.

I'm turning 65 and am disabled.

If you’re under 65 and have a disability, you automatically get Part A and Part B after you get one of these:

- Disability benefits from Social Security for 24 months

- Certain disability benefits from the RRB for 24 months

You'll get your red, white, and blue card in the mail 3 months before your 25th month of disability.

You don’t need to sign up for Medicare each year.

I have Part A and need to apply for Part B

Once your Initial Enrollment Period ends, you may have the chance to sign up for Medicare during a Special Enrollment Period (SEP). If you're covered under a group health plan, based on current employment, you have a SEP to sign up for Part A and/or Part B anytime as long as:

- You or your spouse (or family member if you're disabled) is working.

- You're covered by a group health plan through the employer or union based on that work.

You also have an 8-month SEP to sign up for Part A and/or Part B that starts at one of these times (whichever happens first):

- The month after the employment ends

- The month after group health plan insurance based on current employment ends

Usually, you don't pay a late enrollment penalty if you sign up during a SEP.

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Family Insurance Shoppe does not offer every plan available in your area. We offer plans from a number of insurance companies. Currently we represent 8-10 organizations which offers 97-100 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Family Insurance Shoppe represents Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan’s contract renewal.

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