If you are already collecting Social Security, you would automatically be sent your Medicare card with Part A (hospital benefit) and Part B (outpatient benefit) in the 4th month before your birthday. However, if you are not collecting Social Security, you will need to go onto www.ssa.gov to request enrollment onto Part A and Part B. Your Medicare coverage will be effective the 1st of your birthday month.
Part B has a premium which is based on the adjusted gross income filed with your tax return filed 2 years prior.
Once you are in the Medicare system for Part A and B, you can, during the 3 months prior to your birthday month, select from the insurance plans available to you under Medicare with an effective date of the 1st of your birthday month. Since Medicare was never meant to cover you entirely, your choices for coverage to fill in the gaps Medicare Part A and B in place are: (1) Add a Medicare supplement/medigap plan (note: Plans A thru M have been defined by Medicare will vary in benefits) to cover the medical copays not fully covered by Medicare and will also provide you with freedom of choice regarding your medical providers. You will also need to elect a stand-alone drug plan (known as Part D) to cover your prescription drug needs; or (2) Select a Medicare Advantage/HMO plan (known as Part C) that will cover both your medical and prescription drug needs. Whichever coverage you select will then be effective the 1st of your birthday month.