Individuals receiving benefits from Social Security or the Railroad Retirement Board (RRB), will, in most cases, automatically have the option to purchase Part B health insurance coverage starting the first day of the month when turning age 65.  Individuals under age 65 and disabled will automatically get Part B after receiving disability benefits from Social Security or certain disability benefits from the RRB for 24 months. The Medicare card will be sent in the mail about 3 months prior to the 65th birthday or 25th month of disability. There are instructions that come with the card regarding accepting or declining Part B. Otherwise, a Part B premium will be charged. There may be a late enrollment penalty if sign up for Part B occurs after the initial period of eligibility.

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