When’s the best time to file for Medicare?

Fact-checked with HomeInsurance.com


At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for

Dear Dr. Don,
At what age can I file for Medicare, and how will it impact my Social Security benefits? Can I file for Medicare and Medicaid even if I delay filing for Social Security?

— David Denouement

Dear David,
First, let me put part of your apparent concern to rest. Application for Medicare shouldn’t affect Social Security benefit eligibility. This is the proverbial apples and oranges comparison.

You should file for Medicare before you turn 65 unless you plan to use a private health insurance plan and want to continue using it. The initial enrollment period for Medicare begins three months before the month you turn 65 to three months after the month you turn 65. There can be a late enrollment penalty for certain types of Medicare coverage.

If you have a disability or permanent kidney failure, you may be able to apply for Medicare even earlier.

Avoid gaps in coverage

While you’re making this transition, make sure there aren’t any gaps in your health care coverage. Don’t cancel any health insurance until your Medicare coverage actually begins. Also, make sure to discuss any continuing coverage options with your employer or health care provider. You can download the publication “Medicare and Other Health Benefits: Your Guide to Who Pays First” for additional information on this topic.

Medicare coverage comes in four distinct parts:

  • Part A (hospital insurance).
  • Part B (medical insurance).
  • Part C (Medicare Advantage plan). Like an HMO or PPO, this part replaces Part A and Part B.
  • Part D (drug coverage).

One solution for the ‘gap’

You can buy a Medicare supplemental insurance policy, or Medigap, from a private insurer to cover gaps in original Medicare coverage, parts A and B. A Medigap policy can’t be used with the Medicare Advantage plan. 

Medicare.gov has a publication, “Decide how to get your Medicare,” that walks you through the decision process as to which choice may be right for you. Contact Medicare if you don’t understand your choices.

Medicaid is a separate, state-run program. It provides hospital and medical coverage for people with low income and limited resources. Some people qualify for both programs. If you think that you qualify for both, then contact your local medical assistance agency, social services or welfare office.

Thanks to Edward Lafferty, a public affairs specialist at the Social Security Administration, for helping me with this reply.

Get more news, money-saving tips and expert advice by signing up for a free Bankrate newsletter.

Ask the adviser

To ask a question of Dr. Don, go to the “Ask the Experts” page and select one of these topics: “Financing a home,” “Saving & Investing” or “Money.” Read more Dr. Don columns for additional personal finance advice.

Bankrate’s content, including the guidance of its advice-and-expert columns and this website, is intended only to assist you with financial decisions. The content is broad in scope and does not consider your personal financial situation. Bankrate recommends that you seek the advice of advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. Please remember that your use of this website is governed by Bankrate’s Terms of Use.

More On Medicare: