Most people become eligible for Medicare when they turn 65. Your Medicare enrollment steps will differ depending on whether or not you are collecting Social Security or Railroad Retirement benefits when you enter your Initial Enrollment Period (IEP) upon turning 65.
If you're receiving Social Security retirement benefits prior to age 65, you should be automatically enrolled in both Medicare Part A and Part B. You should't have to contact anyone. You should receive a package in the mail three months before your coverage starts with your new Medicare card. There will be a letter explaining how Medicare works and that you were automatically enrolled in both Parts A and B. Your package and card will come from the Social Security Administration (SSA).
If you do not have healthcare insurance through either your employer or your wife's, and you turn down Part B at age 65, you may incur a premium penalty if you need to sign up for Medicare coverage in the future.
Follow the steps below if you need to actively enroll in Medicare. You will do this by: