1. Sign up
To apply for Medicare, contact your local Social Security office or Railroad Retirement Board office. You can use an online application to sign up for Medicare if you are at least 64 years and 8 months old, and you live in the US
There’s no need to drive to a local Social Security office or wait for an appointment with a Social Security representative. In most cases, once your application is submitted electronically, you’re done.
2. Wait for a response
There are no forms to sign, and usually no documentation is required. Social Security will process your application and contact you if they need more information. Otherwise, you will receive your Medicare card in the mail.
Early application is recommended to avoid gaps in coverage. The late enrollment penalty is avoided if the delay is because the beneficiary is enrolled in employer based insurance coverage.