Generally, Social Security advises people to file for Medicare benefits 3 months before age 65. Remember, Medicare benefits can begin no earlier than age 65. If you are already receiving Social Security, you will automatically be enrolled in Medicare Parts A and B without an additional application. However, because you must pay a premium for Part B coverage, you have the option of turning it down.  You will receive a Medicare card about two months before age 65.

If you would like to file for Medicare only, you can apply by calling 1-800-772-1213. Social Security representatives there can make an appointment for you at any convenient Social Security office and advise you what to bring with you.  When you apply for Medicare, Social Security often also takes an application for monthly benefits.  You can apply for retirement benefits online.