When should I start thinking about enrolling in Medicare?

You should look at your options three months prior to your 65th birthday if you want to go on Medicare vs. your employer plan, if you are planning on retiring, or if you are already retired. It takes three to four weeks to get your Medicare card when you apply with the Social Security office for Medicare parts A and B. You cannot enroll in a MediGap, Advantage, or Part D plan until you have your Medicare parts A and B.

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