Medicare enrollment is simple: Apply online at SSA.gov, by phone, or at a local Social Security office during your 7-month Initial Enrollment Period around age 65 to avoid penalties. Our North Carolina agents help with questions, comparisons, and applications for Parts A, B, D, or Advantage plans.
At Health Plans of NC, we help North Carolina residents find the right Medicare plan for their health needs and budget. Our local agents guide you through enrollment questions, compare options, and assist with the entire application process. Contact us today for personalized help.
You can apply for Medicare Part A and Part B in several ways:
Online
— The fastest option: Visit SSA.gov and use the Medicare application tool.
By phone
— Call Social Security at 1-800-772-1213 (TTY: 1-800-325-0778).
In person
— Visit your local Social Security office (find locations at SSA.gov/locator).
Online and in-person applications are typically processed faster. Your local Social Security office handles Part A and Part B enrollment.
You become eligible at age 65. Your Initial Enrollment Period (IEP) is a 7-month window: 3 months before your birthday month, your birthday month, and 3 months after. Enrolling during this period avoids late penalties.
If Medicare will be your primary coverage, enroll before your birthday for coverage starting the month you turn 65.
If you are already receiving Social Security benefits, you’re automatically enrolled in Parts A and B at 65; your Medicare card arrives about 3 months before your birthday.
Once you have your card (usually 3 weeks after applying), you can enroll in
Medicare Part D
(prescription drug coverage).
Our experienced agents across North Carolina (including Charlotte, Raleigh, Durham, and more) can answer questions about all parts of Medicare.
If you’re still working at 65:
Employer with 20+ employees
— Employer coverage is primary; Medicare is secondary. You can delay Part B enrollment without penalty and enroll within 8 months after employer coverage ends.
Employer with fewer than 20 employees
— Medicare is primary; enroll during your IEP to avoid penalties.
Comparing your employer plan’s costs to Medicare can help decide the best option. Our NC Medicare agents can assist with this comparison and help you enroll in Part A, Part B, or both.
You only apply for Medicare once.
Parts A and B automatically renew each year (as long as premiums are paid).
Part D renews automatically, but benefits, premiums, and networks may change annually—review during the Annual Enrollment Period (October 15–December 7).
If you miss your IEP without creditable coverage, you may face lifetime late enrollment penalties.
Our local North Carolina Medicare experts at Health Plans of NC are here to guide you. We’ll help choose the best coverage, explain enrollment options, and assist with applications. Contact us today or compare plans online!
