How and when to apply for Medicare

<!DOCTYPE html> <html lang="en" dir="ltr"> <head> <link rel="preconnect" href="https://script.crazyegg.com" crossorigin> <link rel="preconnect" href="https://www.googletagmanager.com" crossorigin> <meta charset="utf-8" /> <meta name="MobileOptimized" content="width" /> <meta name="HandheldFriendly" content="true" /> <meta name="viewport" content="width=device-width, initial-scale=1.0" /> <link rel="alternate" hreflang="es" href="https://www.usa.gov/es/seguros-medicos-medicare" data-type="altlang" /> <link rel="alternate" hreflang="en" href="https://www.usa.gov/medicare" data-type="conlang" /> <link rel="canonical" href="https://www.usa.gov/medicare" /> <title>How and when to apply for Medicare | USAGov</title> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/ajax-progress.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/align.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/autocomplete-loading.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/fieldgroup.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/container-inline.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/clearfix.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/details.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/hidden.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/item-list.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/js.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/nowrap.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/position-container.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/progress.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/reset-appearance.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/resize.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/sticky-header.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/system-status-counter.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/system-status-report-counters.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/system-status-report-general-info.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/tabledrag.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/tablesort.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/system/css/components/tree-child.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/views/css/views.module.css?snl7cl" /> <link rel="stylesheet" media="all" href="/core/modules/filter/css/filter.caption.css?snl7cl" /> <link rel="stylesheet" media="all" href="/modules/contrib/entity_embed/css/entity_embed.filter.caption.css?snl7cl" /> <link rel="stylesheet" media="all" href="/modules/contrib/uswds_paragraph_components/modules/uswds_paragraph_components_cards/css/uswds-paragraph-components-cards.css?snl7cl" /> <link rel="stylesheet" media="all" href="/modules/contrib/paragraphs/css/paragraphs.unpublished.css?snl7cl" /> <link rel="stylesheet" media="all" href="/modules/custom/usa_admin_styles/css/usa_admin_styles.css?snl7cl" /> <link rel="stylesheet" media="all" href="/themes/custom/usagov/css/styles.css?snl7cl" /> <script id="taxonomy-data"> dataLayer = [{ "nodeID": "93", "language": "en", "homepageTest": "not_homepage", "basicPagesubType": "Standard Page", "contentType": "basic_page", "Page_Type": "Content Page", "Taxonomy_Text_1": "Home", "Taxonomy_Text_2": "Health", "Taxonomy_Text_3": "Health insurance", "Taxonomy_Text_4": "Medicare", "Taxonomy_Text_5": "Medicare", "Taxonomy_Text_6": "Medicare", "Taxonomy_URL_1": "/", "Taxonomy_URL_2": "/health", "Taxonomy_URL_3": "/health-insurance", "Taxonomy_URL_4": "/medicare", "Taxonomy_URL_5": "/medicare", "Taxonomy_URL_6": "/medicare", "hasBenefitCategory": true, "benefitCategories": "Disabilities; 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See if you are eligible, how to enroll, and locate a Medicare-certified provider." />  <link rel="icon" href="/themes/custom/usagov/images/Favicon_USAGov.png"> <link rel="apple-touch-icon-precomposed" href="/themes/custom/usagov/images/Favicon_USAGov.png">  <meta property="og:url" content="https://www.usa.gov/medicare" /> <meta property="og:type" content="website" /> <meta property="og:title" content="How and when to apply for Medicare | USAGov" /> <meta property="og:description" content="Learn how Medicare works for people 65 and older or with a disability. See if you are eligible, how to enroll, and locate a Medicare-certified provider." /> <meta property="og:image" content="https://www.usa.gov/themes/custom/usagov/images/Logo_USAGov.png" /> <meta property="og:image:secure_url" content="https://www.usa.gov/themes/custom/usagov/images/Logo_USAGov.png" /> <meta name="referrer" content="no-referrer-when-downgrade" />  <script type="application/ld+json"> { "@context": "https://schema.org", "@type": "Organization", "url": "https://usa.gov/", "logo": "https://www.usa.gov/themes/custom/usagov/images/Logo_USAGov.png" } </script> <script type="application/ld+json"> { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "What is Medicare, and how does it work?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Medicare is the federal health insurance program for people who are 65 and over. If you are under 65, you may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig’s Disease).</p><p>Medicare is divided into four parts:</p><ul><li><a href=\"https://www.medicare.gov/what-medicare-covers/what-part-a-covers\">Medicare Part A</a> is insurance for hospitalization, home or skilled nursing, and hospice.</li><li><a href=\"https://www.medicare.gov/what-medicare-covers/what-part-b-covers\">Medicare Part B</a> is medical insurance. <ul><li><a href=\"https://www.medicare.gov/basics/get-started-with-medicare/sign-up/ready-to-sign-up-for-part-a-part-b/how-to-drop-part-a-part-b\">Learn about canceling Medicare Part A or Part B coverage</a>, including its risks. Or, if you are ready to cancel your coverage, you can submit <a href=\"https://www.cms.gov/medicare/cms-forms/cms-forms/downloads/cms1763.pdf\">CMS Form 1763</a> to your local Social Security office.</li></ul></li><li><a href=\"https://www.medicare.gov/sign-upchange-plans/types-of-medicare-health-plans/medicare-advantage-plans/how-do-medicare-advantage-plans-work\">Medicare Part C (Medicare Advantage Plans)</a> is a private insurance option that covers hospital and medical costs.</li><li><a href=\"https://www.medicare.gov/drug-coverage-part-d\">Medicare Part D</a> covers prescription medications.</li></ul><p><a href=\"https://www.medicare.gov/basics/get-started-with-medicare\">Learn more about Medicare, including:</a></p><ul><li>How it works</li><li>How to prepare to sign up and submit a Medicare application</li></ul><p><a href=\"https://www.medicare.gov/basics/costs/medicare-costs\">Find out what Medicare costs</a> based on what coverage you choose.</p>" } }, { "@type": "Question", "name": "Medicare enrollment in your 60s", "acceptedAnswer": { "@type": "Answer", "text": "<p>There are several ways to enroll in Medicare, whether you plan to retire or keep working:</p><ul><li>If you begin receiving Social Security retirement benefits between age 62 and up to 4 months before turning 65, you will be automatically enrolled in Medicare Part A and Part B when you turn 65. </li><li>If you apply for Social Security 3 months before you turn 65 or later, you can sign up for Medicare when you apply for Social Security. <ul><li>The Initial Enrollment Period to sign up for Medicare begins 3 months before you turn 65 and ends 3 months after the month you turn 65 — a total of 7 months. You may have to pay a penalty if you miss your Initial Enrollment Period.</li></ul></li><li>If you are not ready to receive Social Security benefits at 65 because you are still working, you can apply online for Medicare only. Or you may be able to wait until you retire to sign up during a special enrollment period. <a href=\"https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/working-past-65\">Learn more about how Medicare works if you are employed past age 65.</a></li></ul><p><a href=\"https://www.medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medicare-coverage-start\">Read this important information explaining when to sign up for Medicare based on your situation.</a></p><p><a class=\"usa-button usa-button--secondary usa-button--big\" href=\"https://www.ssa.gov/medicare/sign-up\">Sign up for Medicare</a></p>" } }, { "@type": "Question", "name": "Receiving Medicare under age 65 if you have a disability", "acceptedAnswer": { "@type": "Answer", "text": "<ul> <li>If you receive Social Security disability benefits, you will automatically begin receiving Medicare Parts A and B after 24 months.</li> <li>If you have Lou Gehrig's Disease (ALS), you will receive Medicare Parts A and B immediately when you enroll in Social Security disability benefits. <a href=\"https://secure.ssa.gov/ICON/main.jsp\">Find and contact your Social Security Office to apply.</a></li> <li>If you have End-Stage Renal Disease (ESRD), <a href=\"https://www.medicare.gov/basics/end-stage-renal-disease\">learn about Medicare coverage and enrollment</a>.</li> </ul>" } }, { "@type": "Question", "name": "Find a doctor, care provider, or hospital that accepts Medicare", "acceptedAnswer": { "@type": "Answer", "text": "<p>Many types of health care providers accept Medicare. This includes doctors, hospitals, nursing homes, and in-home care providers.</p><p>Use your ZIP Code to <a href=\"https://www.medicare.gov/care-compare/#search\">find a Medicare-certified provider near you</a>.</p>" } }, { "@type": "Question", "name": "Contact Medicare about your benefits", "acceptedAnswer": { "@type": "Answer", "text": "<p><a href=\"https://www.medicare.gov/about-us/contact-medicare\">Find out how to contact Medicare</a> with questions about your:</p><ul><li>Claims</li><li>Medical records</li><li>Expenses</li></ul>" } }, { "@type": "Question", "name": "Get a Medicare card replacement", "acceptedAnswer": { "@type": "Answer", "text": "<p>Learn what steps to take to <a href=\"https://www.medicare.gov/basics/get-started-with-medicare/using-medicare/your-medicare-card\">replace your Medicare card if</a>:</p><ul><li>It is lost, stolen, or destroyed</li><li>You have changed your name</li></ul>" } }, { "@type": "Question", "name": "Get help paying for Medicare", "acceptedAnswer": { "@type": "Answer", "text": "<p>The Medicare Savings Programs include 4 options that can help you pay for Medicare expenses:</p><ul><li>Qualified Medicare Beneficiary (QMB) program - Parts A and B premiums, deductibles, coinsurance, and copayments</li><li>Specified Low-Income Medicare Beneficiary (SLMB) program - Part B premiums</li><li>Qualifying Individual (QI) program - Part B premiums</li><li>Qualified Disabled & Working Individual (QDWI) program - Part A premiums</li></ul><p><a href=\"https://www.medicare.gov/basics/costs/help/medicare-savings-programs\">Learn more about the Medicare Savings Programs</a>, including what income and asset limits determine eligibility.</p>" } } ] } </script> </head> <body>  <noscript><iframe title="GTM" sandbox src="https://www.googletagmanager.com/ns.html?id=GTM-W8LW6DB" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>  <a href="#skip-to-h1" class="usa-skipnav usa-sr-only focusable"> Skip to main content </a> <div class="usa-overlay"></div> <header class="usa-header usa-header--extended" id="header"> <div class="usa-banner-inner"> <div> <section class="usa-banner" aria-label="An official website of the United States government" id="usagov-banner"> <div class="usa-accordion"> <div class="usa-banner__header" role="banner"> <div class="usa-banner__inner"> <div class="grid-col-auto"> <img aria-hidden="true" class="usa-banner__header-flag" src="/themes/custom/usagov/images/favicon-57.png" alt="U.S Flag" /> </div> <div class="grid-col-fill tablet:grid-col-auto"> <p class="usa-banner__header-text"> An official website of the United States government </p> <p class="usa-banner__header-action usa-banner__header-action-mobile">Here's how you know</p> <svg xmlns="http://www.w3.org/2000/svg" height="16" viewBox="0 0 24 24" width="16" class="usa-banner_expand_arrow usa-banner__header-action"> <path d="M0 0h24v24H0z" fill="none"/> <path d="M16.59 8.59L12 13.17 7.41 8.59 6 10l6 6 6-6z"/> </svg> </div> <button type="button" class="usa-accordion__button usa-banner__button" aria-expanded="false" aria-controls="gov-banner-default"> <span class="usa-banner__button-text">Here's how you know</span> <svg xmlns="http://www.w3.org/2000/svg" height="16" viewBox="0 0 24 24" width="16" class="usa-banner_expand_arrow usa-banner__button-text"> <path d="M0 0h24v24H0z" fill="none"/> <path d="M16.59 8.59L12 13.17 7.41 8.59 6 10l6 6 6-6z"/> </svg> </button> </div> </div> <div class="usa-banner__content usa-accordion__content" id="gov-banner-default"> <div class="grid-row grid-gap-lg"> <div class="usa-banner__guidance tablet:grid-col-6"> <img class="usa-banner__icon usa-media-block__img" src="/themes/custom/usagov/assets/img/icon-dot-gov.svg" alt="" aria-hidden="true" /> <div class="usa-media-block__body"> <p> <strong>Official websites use .gov</strong><br /> A <strong>.gov</strong> website belongs to an official government organization in the United States. </p> </div> </div> <div class="usa-banner__guidance tablet:grid-col-6"> <img class="usa-banner__icon usa-media-block__img" src="/themes/custom/usagov/assets/img/icon-https.svg" alt="" aria-hidden="true" /> <div class="usa-media-block__body"> <p> <strong>Secure .gov websites use HTTPS</strong><br /> A <strong>lock</strong> ( <span class="icon-lock"> <svg xmlns="http://www.w3.org/2000/svg" width="52" height="64" viewBox="0 0 52 64" class="usa-banner__lock-image" aria-labelledby="banner-lock-description-default" focusable="false"> <title id="banner-lock-title-default">Lock</title> <desc id="banner-lock-description-default">Locked padlock icon</desc> <path fill="#000000" fill-rule="evenodd" d="M26 0c10.493 0 19 8.507 19 19v9h3a4 4 0 0 1 4 4v28a4 4 0 0 1-4 4H4a4 4 0 0 1-4-4V32a4 4 0 0 1 4-4h3v-9C7 8.507 15.507 0 26 0zm0 8c-5.979 0-10.843 4.77-10.996 10.712L15 19v9h22v-9c0-6.075-4.925-11-11-11z" /> </svg> </span> ) or <strong>https://</strong> means you’ve safely connected to the .gov website. 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desktop:grid-col-8"> <h1 class="text-red-50" id ="skip-to-h1" > <span>How and when to apply for Medicare</span> </h1> <div id="block-usagov-content" class="block block-system block-system-main-block"> <div class="content-wrapper"> <div class="usa-prose"> <p class="usa-intro"> Learn how Medicare works and how to sign up based on your situation. Find out where to get help with your benefits or replace your Medicare card. </p> </div> <div class="usa-prose body-copy"><h2><strong>What is Medicare, and how does it work?</strong></h2><p>Medicare is the federal health insurance program for people who are 65 and over. If you are under 65, you may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig’s Disease).</p><p>Medicare is divided into four parts:</p><ul><li><a href="https://www.medicare.gov/what-medicare-covers/what-part-a-covers">Medicare Part A</a> is insurance for hospitalization, home or skilled nursing, and hospice.</li><li><a href="https://www.medicare.gov/what-medicare-covers/what-part-b-covers">Medicare Part B</a> is medical insurance. <ul><li><a href="https://www.medicare.gov/basics/get-started-with-medicare/sign-up/ready-to-sign-up-for-part-a-part-b/how-to-drop-part-a-part-b">Learn about canceling Medicare Part A or Part B coverage</a>, including its risks. Or, if you are ready to cancel your coverage, you can submit <a href="https://www.cms.gov/medicare/cms-forms/cms-forms/downloads/cms1763.pdf">CMS Form 1763</a> to your local Social Security office.</li></ul></li><li><a href="https://www.medicare.gov/sign-upchange-plans/types-of-medicare-health-plans/medicare-advantage-plans/how-do-medicare-advantage-plans-work">Medicare Part C (Medicare Advantage Plans)</a> is a private insurance option that covers hospital and medical costs.</li><li><a href="https://www.medicare.gov/drug-coverage-part-d">Medicare Part D</a> covers prescription medications.</li></ul><p><a href="https://www.medicare.gov/basics/get-started-with-medicare">Learn more about Medicare, including:</a></p><ul><li>How it works</li><li>How to prepare to sign up and submit a Medicare application</li></ul><p><a href="https://www.medicare.gov/basics/costs/medicare-costs">Find out what Medicare costs</a> based on what coverage you choose.</p><h2><strong>Medicare enrollment in your 60s</strong></h2><p>There are several ways to enroll in Medicare, whether you plan to retire or keep working:</p><ul><li>If you begin receiving Social Security retirement benefits between age 62 and up to 4 months before turning 65, you will be automatically enrolled in Medicare Part A and Part B when you turn 65. </li><li>If you apply for Social Security 3 months before you turn 65 or later, you can sign up for Medicare when you apply for Social Security. <ul><li>The Initial Enrollment Period to sign up for Medicare begins 3 months before you turn 65 and ends 3 months after the month you turn 65 — a total of 7 months. You may have to pay a penalty if you miss your Initial Enrollment Period.</li></ul></li><li>If you are not ready to receive Social Security benefits at 65 because you are still working, you can apply online for Medicare only. Or you may be able to wait until you retire to sign up during a special enrollment period. <a href="https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/working-past-65">Learn more about how Medicare works if you are employed past age 65.</a></li></ul><p><a href="https://www.medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medicare-coverage-start">Read this important information explaining when to sign up for Medicare based on your situation.</a></p><p><a class="usa-button usa-button--secondary usa-button--big" href="https://www.ssa.gov/medicare/sign-up">Sign up for Medicare</a></p><div data-embed-button="paragraphs" data-paragraph-id="5da71720-4885-4805-9ac0-aa6f13982d4b" data-paragraph-revision-id="886" data-entity-label="USWDS Components" data-langcode="en" data-view-mode="embed" data-entity-embed-display="entity_reference_revisions:entity_reference_revisions_entity_view" data-entity-type="embedded_paragraphs" data-entity-uuid="5da71720-4885-4805-9ac0-aa6f13982d4b" data-entity-embed-display-settings="[]" class="embedded-entity"> <div class="field field--name-paragraph field--type-entity-reference-revisions field--label-hidden field__item"> <div class="usa-accordion paragraph paragraph--type--uswds-accordion paragraph--view-mode--embed paragraph--id--180">  <h2 class="usa-accordion__heading"> <button class="usa-accordion__button" aria-expanded="false" aria-controls="180-0"> Receiving Medicare under age 65 if you have a disability </button> </h2> <div id="180-0" class="usa-accordion__content usa-prose" hidden="until-found"> <div class="paragraph paragraph--type--text-field paragraph--view-mode--default paragraph--id--178"> <div class="paragraph__column"> <div class="field field--name-field-text field--type-text-long field--label-hidden field__item"><ul> <li>If you receive Social Security disability benefits, you will automatically begin receiving Medicare Parts A and B after 24 months.</li> <li>If you have Lou Gehrig's Disease (ALS), you will receive Medicare Parts A and B immediately when you enroll in Social Security disability benefits. <a href="https://secure.ssa.gov/ICON/main.jsp">Find and contact your Social Security Office to apply.</a></li> <li>If you have End-Stage Renal Disease (ESRD), <a href="https://www.medicare.gov/basics/end-stage-renal-disease">learn about Medicare coverage and enrollment</a>.</li> </ul></div> </div> </div> </div> <h2 class="usa-accordion__heading"> <button class="usa-accordion__button" aria-expanded="false" aria-controls="180-1"> Find a doctor, care provider, or hospital that accepts Medicare </button> </h2> <div id="180-1" class="usa-accordion__content usa-prose" hidden="until-found"> <div class="paragraph paragraph--type--text-field paragraph--view-mode--default paragraph--id--1644"> <div class="paragraph__column"> <div class="field field--name-field-text field--type-text-long field--label-hidden field__item"><p>Many types of health care providers accept Medicare. This includes doctors, hospitals, nursing homes, and in-home care providers.</p> <p>Use your ZIP Code to <a href="https://www.medicare.gov/care-compare/#search">find a Medicare-certified provider near you</a>.</p></div> </div> </div> </div> <h2 class="usa-accordion__heading"> <button class="usa-accordion__button" aria-expanded="false" aria-controls="180-2"> Contact Medicare about your benefits </button> </h2> <div id="180-2" class="usa-accordion__content usa-prose" hidden="until-found"> <div class="paragraph paragraph--type--text-field paragraph--view-mode--default paragraph--id--2472"> <div class="paragraph__column"> <div class="field field--name-field-text field--type-text-long field--label-hidden field__item"><p><a href="https://www.medicare.gov/about-us/contact-medicare">Find out how to contact Medicare</a> with questions about your:</p><ul><li>Claims</li><li>Medical records</li><li>Expenses</li></ul></div> </div> </div> </div> <h2 class="usa-accordion__heading"> <button class="usa-accordion__button" aria-expanded="false" aria-controls="180-3"> Get a Medicare card replacement </button> </h2> <div id="180-3" class="usa-accordion__content usa-prose" hidden="until-found"> <div class="paragraph paragraph--type--text-field paragraph--view-mode--default paragraph--id--2474"> <div class="paragraph__column"> <div class="field field--name-field-text field--type-text-long field--label-hidden field__item"><p>Learn what steps to take to <a href="https://www.medicare.gov/basics/get-started-with-medicare/using-medicare/your-medicare-card">replace your Medicare card if</a>:</p><ul><li>It is lost, stolen, or destroyed</li><li>You have changed your name</li></ul></div> </div> </div> </div> <h2 class="usa-accordion__heading"> <button class="usa-accordion__button" aria-expanded="false" aria-controls="180-4"> Get help paying for Medicare </button> </h2> <div id="180-4" class="usa-accordion__content usa-prose" hidden="until-found"> <div class="paragraph paragraph--type--text-field paragraph--view-mode--default paragraph--id--2476"> <div class="paragraph__column"> <div class="field field--name-field-text field--type-text-long field--label-hidden field__item"><p>The Medicare Savings Programs include 4 options that can help you pay for Medicare expenses:</p><ul><li>Qualified Medicare Beneficiary (QMB) program - Parts A and B premiums, deductibles, coinsurance, and copayments</li><li>Specified Low-Income Medicare Beneficiary (SLMB) program - Part B premiums</li><li>Qualifying Individual (QI) program - Part B premiums</li><li>Qualified Disabled & Working Individual (QDWI) program - Part A premiums</li></ul><p><a href="https://www.medicare.gov/basics/costs/help/medicare-savings-programs">Learn more about the Medicare Savings Programs</a>, including what income and asset limits determine eligibility.</p></div> </div> </div> </div> </div> </div> </div> <div data-embed-button="paragraphs" data-paragraph-id="03a28ce8-22d9-4166-acf8-6592e8f8dbf6" data-entity-label="USWDS Components" data-langcode="en" data-view-mode="embed" data-entity-embed-display="entity_reference_revisions:entity_reference_revisions_entity_view" data-entity-type="embedded_paragraphs" data-entity-uuid="03a28ce8-22d9-4166-acf8-6592e8f8dbf6" data-entity-embed-display-settings="[]" class="embedded-entity"> <div class="field field--name-paragraph field--type-entity-reference-revisions field--label-hidden field__item"> <div class="paragraph paragraph--type--uswds-card-group-flag paragraph--view-mode--embed paragraph--id--1324"> <ul class="usa-card-group"> <li class="grid-col-12 usa-card usa-card--flag"> <div class="usa-card__container make-link"> <div class="usa-card__media"> <div class="usa-card__img"> <div class="field field--name-field-card-image field--type-entity-reference field--label-hidden field__item"><div> <div class="field field--name-field-media-image field--type-image field--label-visually_hidden"> <div class="title usa-sr-only">Image</div> <div class="field__item"> <img loading="lazy" src="https://www.usa.gov/s3/files/styles/large/public/2023-01/Banner_img_Turning_65_en.png?itok=G1kcGxsy" width="480" height="148" alt="Two older men walking behind two older women smiling."> </div> </div> </div> </div> </div> </div> <div class="usa-card__body"> <p>Find more tips and programs to help you plan for retirement.</p> </div> <header class="usa-card__header"> <h2 class="usa-card__heading"> <a href="/approaching-retirement" class="text-no-underline card-link" title> Approaching retirement </a> </h2> </header> </div> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="views-element-container settings-tray-editable block block-views block-views-blockwizard-step-test-block-1" id="block-views-block-wizard-step-test-block-1" data-drupal-settingstray="editable"> <div><div class="js-view-dom-id-d724c6f2263f36945f2a1ebbcc14a6491da480eb4657cc77dd5b48bded555368"> </div> </div> </div> <div class="additional_body_info"> <p id="last-updated">LAST UPDATED: November 19, 2024 </p> <div id="sm-share"> <span id="share-page">SHARE THIS PAGE:</span> <div class="share-icons"> <a aria-labelledby="share-page fb" href="https://www.facebook.com/sharer/sharer.php?u=https://www.usa.gov/medicare&v=3"> <div class="share-icon-div"> <img class="share-icon" id="fb" src="/themes/custom/usagov/images/social-media-icons/Facebook_Icon.svg" alt="Facebook"/> </div> </a> <a aria-labelledby="share-page twr" href="https://twitter.com/intent/tweet?source=webclient&text=https://www.usa.gov/medicare"> <div class="share-icon-div"> <img class="share-icon" id="twr" src="/themes/custom/usagov/images/social-media-icons/X_Twitter_Icon.svg " alt="X Twitter USAGov"/> </div> </a> <a aria-labelledby="share-page em" href="mailto:?subject=https://www.usa.gov/medicare"> <div class="share-icon-div"> <img class="share-icon" id="em" src="/themes/custom/usagov/images/social-media-icons/Email_Icon.svg" alt="Email"/> </div> </a> </div> </div> <div class="border-top-05 border-base-lightest"></div> <div id="question-box"> <div class="border-left-1 padding-left-205 border-cyan-10 margin-top-8 margin-bottom-9 padding-bottom-2"> <h2 class="font-family-heading margin-top-0"> Have a question? </h2> <p>Ask a real person any government-related question for free. 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