Find Out If You Can Enroll in Medicare Right Now

Question 2 of 17

What is your citizenship or residency status?

Question 3 of 17

Are you currently receiving Social Security Disability Insurance (SSDI) benefits?

Question 4 of 17

Have you been diagnosed with either of the following?

Question 5 of 17

Have you (or your current/former spouse) worked and paid Medicare taxes for at least 10 years (40 quarters)?

This determines whether you qualify for premium-free Part A.

Question 6 of 17

Are you currently receiving Social Security retirement benefits?

This determines whether you’ll be automatically enrolled in Parts A and B at 65.

Question 7 of 17

What is your current health insurance situation?

Select the option that best describes your primary coverage today.

Question 8 of 17

How many employees does your (or your spouse’s) employer have?

This is critical — it determines whether your employer plan or Medicare is primary.

Question 9 of 17

Which parts of Medicare do you currently have?

Select all that apply.

Question 10 of 17

Have any of the following happened to you in the last 12 months — or will they happen in the next 2 months?

Select ALL that apply. These life changes may trigger a Special Enrollment Period.

Question 11 of 17

Have you involuntarily lost prescription drug coverage in the last 63 days — or will you lose it within the next 63 days?

This includes employer drug plans, union drug plans, VA drug benefits, or any other coverage that was “creditable” — meaning it was at least as good as Medicare Part D. Losing creditable drug coverage opens a Special Enrollment Period to join a Part D or Medicare Advantage drug plan without penalty.

Question 12 of 17

Are you interested in switching to a Medicare Advantage or Part D plan that has a 5-star quality rating from Medicare?

A 5-star SEP allows you to switch to a top-rated plan once per year, anytime.

Question 13 of 17

Do any of the following apply to you?

These may qualify you for a Special Needs Plan (SNP) with continuous enrollment rights.

Question 14 of 17

Are you currently contributing to a Health Savings Account (HSA)?

Enrolling in any part of Medicare makes you ineligible to contribute to an HSA.

Question 15 of 17

Is your current health coverage provided through a spouse’s employer?

Question 16 of 17

Did you previously decline or delay enrolling in Medicare Part B?

Question 17 of 17

When did the event that changed your coverage situation happen (or when will it happen)?

Think back to the life changes you selected earlier — losing employer coverage, moving, retiring, losing Medicaid, etc. When did that event occur? Most Special Enrollment Periods have strict deadlines (typically 60–63 days from the event), so timing is critical.