Wondering if you need to apply for Medicare and Social Security at the same time in 2025? You’re not alone—this is one of the most common questions people ask when approaching retirement. It’s easy to get confused with different age requirements and application processes. This blog will clarify the steps, timing, and options available in 2025, so you can avoid penalties and make the right decision based on your situation.
Skyline Benefit is a trusted Medicare insurance broker helping Californians make informed choices about health coverage and retirement planning. Whether you’re turning 65 or planning ahead, we’re here to guide you through every step.
What’s the Difference Between Medicare and Social Security?
While they’re both federal programs, Medicare and Social Security serve different purposes:
- Medicare is health insurance for people 65+ or those with certain disabilities.
- Social Security provides income benefits during retirement or disability.
The key distinction? You can apply for Medicare without claiming Social Security.
When Are You Eligible for Each?
Medicare Eligibility in 2025:
- Most people become eligible for Medicare at age 65.
- Your Initial Enrollment Period (IEP) starts three months before your 65th birthday and ends three months after.
Social Security Eligibility in 2025:
- You can claim Social Security as early as age 62, but the full retirement age (FRA) varies:
- Age 66–67, depending on your birth year.
- The longer you wait (up to age 70), the higher your monthly benefits.
You are not required to apply for both at the same time.
Do You Automatically Get Medicare When You Apply for Social Security in 2025?
Yes—if you apply for Social Security before turning 65, you’ll be automatically enrolled in Medicare Parts A and B when you reach your 65th birthday.
However, if you wait to apply for Social Security until after 65, you must apply for Medicare separately.
Should You Apply for Both at the Same Time?
It depends on your situation.
Apply for Both If:
- You plan to retire at 65 or earlier.
- You want Medicare to start right away.
- You’re relying on Social Security as your primary income.
Apply Separately If:
- You’re still working and have employer coverage.
- You want to delay Social Security to receive higher benefits later.
- You want more control over when each benefit starts.
How to Apply for Medicare Without Social Security in 2025
If you’re not taking Social Security yet, here’s how to apply for Medicare only:
- Go to ssa.gov/medicare
- Choose “Apply for Medicare Only”
- Complete the application (takes 10–15 minutes)
- Track your status online or via mail
You’ll get your Medicare card in the mail once approved.
What Happens If You Miss Your Medicare Enrollment Window?
Delaying Medicare without other creditable coverage (like employer insurance) can lead to:
- A 10% late enrollment penalty on Part B for each year you delay.
- Delays in coverage—until the next General Enrollment Period (Jan–Mar).
That’s why knowing your timeline is important, even if you’re not ready to retire.
Key Takeaways
- You do not need to apply for Medicare and Social Security at the same time.
- You become eligible for Medicare at 65, regardless of your Social Security status.
- Applying for Medicare on time can help avoid penalties, even if you delay retirement.
Need Help Applying for Medicare or Social Security in 2025?
Skyline Benefit is an independent Medicare insurance broker that offers affordable and flexible Medicare options. Selecting the best Medicare insurance plans can be overwhelming; our mission is to simplify the process and help our clients every step of the way.
Schedule a consultation today. Call us at: (714) 888-5112