Social Security Questions? Ask a Social Security Expert
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Are you currently collecting any social security benefits?
If you apply for social security benefits before 65, you will be automatically enrolled in Medicare Part A&B at 65. If you apply for social security benefit after 65, you will be automatically enrolled when you apply. Part A is a free hospital coverage, part B pays for doctors visits (you would see deduction on your statement). Part D, prescription coverage is optional. The only time you need to apply for Medicare is if you are 65 and choose not to apply for social security benefits.
To apply for part D you need to call or visit your local social security office. If you are not eligible for social security benefits you can still get Medicare if you worked at least 10 year in Medicare covered employment (Medicare taxes were taken out of your paycheck).