Medicare and Medicaid have different application processes. You may qualify for one or both, but submitting a health-plan quote form does not enroll you in either program. Begin with the official agency responsible for the benefit you need.
Choose the correct application
| Benefit | Where to start |
|---|---|
| Medicare Parts A and B | Social Security; railroad retirement beneficiaries should check with the Railroad Retirement Board. |
| Medicaid | Your state Medicaid agency. |
| Help paying Medicare costs | Your state's Medicare Savings Program application process. |
| A private Medicare plan | A separate plan election after checking Medicare eligibility and enrollment rules. |
Applying for Medicare
First check whether enrollment is automatic because you already receive qualifying benefits. Otherwise, use Social Security's Medicare application service or contact its office. Verify the enrollment period that applies to you; the annual fall plan election period is not a general substitute for Part A or Part B enrollment.
Have identity and residence information, benefit records and any requested employment-coverage evidence available. If delaying Part B, confirm that your particular coverage supports that decision.
Applying for Medicaid or premium assistance
Use your state's official application channel. Requirements depend on state, income, resources where applicable and eligibility category. A person may qualify for Medicare premium help even when not eligible for full Medicaid benefits, so ask about both.
Submit requested verification through a secure official channel and retain the submission receipt. Respond promptly if the agency needs more information.
After submitting
- Check each application separately.
- Read the written approval or denial.
- Confirm effective dates and any premiums you still owe.
- Follow the notice's appeal instructions if information is wrong.
- Give providers your updated insurance details.
Do not cancel existing coverage until you understand the transition. Approval of one program does not establish the start date of another.
Related coverage questions
- How to Enroll in Medicare: Steps, Timing and Where to Get Help
- How to Apply for Medicaid: Eligibility and Documents
- Medicare and Medicaid: Different Programs, Coordinated Help