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Chloe Anderson

How long after mailing my Social Security and Medicare application will I get my Medicare card?

I just mailed in my application for Social Security retirement benefits and Medicare last Tuesday. The SSA office was completely packed when I tried going in person, and the phone lines kept disconnecting me after waiting for over an hour! So I finally just filled out all the paperwork and mailed it in. Now I'm wondering... how long does it typically take to get a confirmation that everything's been approved? And more importantly, when should I expect to receive my Medicare card? I'm turning 65 in about 2.5 months and want to make sure everything is set up properly before my birthday. My doctor already asked if I have my Medicare info ready for our next appointment. Anyone gone through this process recently?

took me like 6 wks to get my card after i mailed my stuff in. but that was during covid so maybe faster now

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Oh wow, 6 weeks? That's cutting it close for me. Did you get any kind of confirmation before the actual card arrived?

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Congrats on retirement! When I applied last year the Medicare card came about 3-4 weeks after I mailed my application. The actual benefit approval letter for SS took a little longer though.

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Thank you! That's a relief to hear the Medicare card might come first. I'm more worried about that than the SS approval.

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Social Security typically processes mailed applications for retirement benefits within 2-4 weeks, but it can sometimes take up to 6 weeks depending on workload. For Medicare enrollment, your card should arrive approximately 3-4 weeks after your application is processed. Some important things to note: 1. You can check your application status online by creating a my Social Security account at ssa.gov/myaccount 2. Medicare coverage automatically begins the first day of your birthday month if you're turning 65 (even if your card hasn't physically arrived yet) 3. If you're within 30 days of needing to use your Medicare and haven't received your card, you should contact Social Security directly Hope this helps with your timeline expectations!

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This is super helpful, thank you! I didn't realize I could check my status online - I'll set up that account right away. And it's good to know coverage starts automatically even without the physical card.

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My experience was NOT good. I mailed my application in January and didn't hear ANYTHING for 8 weeks!!! When I finally got through to someone they said they had NO RECORD of receiving it!! Had to start all over again. The system is BROKEN. I recommend going in person even if you have to wait all day. At least you know they got it!!!

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That's terrible! Did you send it certified mail with tracking? Always do that with important documents.

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Oh no, that's exactly what I'm afraid of! I didn't send it certified mail (didn't think of it). Now I'm really worried.

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The timeline varies but generally: - Processing time: 3-5 weeks for mailed applications - Medicare card arrival: Usually 2-3 weeks after processing is complete - Total time: Typically 5-8 weeks from mailing to receiving your Medicare card If you need to check your application status before your card arrives, you have three options: 1. Create a my Social Security account online (fastest) 2. Visit your local field office in person (bring ID) 3. Call the national number at 1-800-772-1213 (prepare for wait times) Since your birthday is coming up in 2.5 months, you should be fine with the typical timeline. If you don't receive confirmation within 4 weeks of mailing, I'd recommend following up.

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Thank you for breaking it down like this! I'll wait 4 weeks and then follow up if I haven't heard anything.

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I was in a similar situation last year and had incredible trouble reaching anyone at SSA by phone. After days of trying, I found this service called Claimyr (claimyr.com) that got me connected to a real person at Social Security in under 20 minutes! They have a video showing how it works: https://youtu.be/Z-BRbJw3puU I was able to verify they received my application and get an estimate of when I'd receive my Medicare card. Saved me so much stress since I needed my Medicare info for a scheduled procedure.

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I've never heard of this service before. Did it actually work? I might try it if I don't hear anything in a couple weeks.

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Yes, it really worked for me. Instead of waiting on hold for hours or getting disconnected, I got through to a real person who could check my application status. Definitely worth it for the peace of mind.

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did u sign up for part D too? cuz thats separate from the regular medicare and u need to do that with a different form i think. my brother missed that part when he turned 65 and had to pay a penalty later on

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Good point about Part D (prescription drug coverage). You're right that it's separate, but you don't use a different form. When you apply for Medicare, you choose whether to enroll in Original Medicare (Parts A & B) with a separate Part D plan, or Medicare Advantage (Part C) which usually includes Part D. OP should check if they selected their Part D preference on their application. If not, they have a 7-month Initial Enrollment Period (3 months before turning 65, their birthday month, and 3 months after) to enroll without penalty.

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Oh no, I don't think I did anything about Part D! I just filled out the form they had for retirement benefits and Medicare. Now I'm confused... do I need to fill out something else?

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btw my cousin never got her card and had to go to the office. they gave her a printout she could use until the real card came. so thats an option if ur in a hurry

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That's good to know, thanks! If it gets too close to my birthday I'll try that.

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To follow up on the Part D question - you don't need a separate application form, but you do need to select a Part D plan through a private insurer (if you went with Original Medicare rather than Medicare Advantage). You can do this through the Medicare Plan Finder on medicare.gov. Regarding your original timeline question, one thing that might help speed things up: if you haven't already, create your my Social Security account online and check if your application appears there. Sometimes the online system shows it's been received before you get any mail confirmation.

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I just created my account and checked - nothing shows up yet about my application. Does that mean they haven't received it?

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Not necessarily. There can be a lag between when they physically receive your mailed application and when it appears in the system. I'd give it at least 2 weeks from your mailing date before getting concerned. If nothing shows up by then, that's when I'd recommend calling or using a service to reach them directly.

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Does anyone know if they NOTIFY you if they reject your application?? Or do they just ignore it? I'm so tired of dealing with government bureaucracy!!!

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Yes, Social Security will always notify you of application decisions, whether approved or denied. If denied, they'll send a letter explaining the reason and your appeal rights. They don't simply ignore applications. If an application is incomplete, they typically contact you for the missing information rather than outright rejecting it.

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I went through this exact same process about 8 months ago! Here's what I learned: the timeline can really vary depending on your local SSA office's workload. Mine took about 5 weeks total - 3 weeks to process and then another 2 weeks for the Medicare card to arrive in the mail. One tip that really helped me: about 2 weeks after mailing, I called the main SSA number (1-800-772-1213) early in the morning around 8 AM when they first open. The wait times were much shorter then compared to calling later in the day. They were able to confirm they received my application and give me a rough timeline. Also, don't panic if your Medicare card doesn't arrive exactly on time - your coverage still starts on the first day of your birthday month regardless. I actually used my temporary Medicare number (which they can give you over the phone) for a doctor's appointment before my physical card arrived. Good luck with everything, and congratulations on your upcoming retirement!

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Thank you so much for sharing your experience! That's really helpful to know about calling early in the morning - I'll definitely try that if I need to follow up. And it's reassuring to hear that coverage starts automatically even without the physical card. I feel much better about the timeline now!

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I just went through this process myself about 6 months ago! From what I experienced and what I've heard from others, you're looking at roughly 4-6 weeks total from mailing to getting your Medicare card in hand. A few things that might help ease your mind: - Your Medicare coverage actually begins the first day of the month you turn 65, regardless of whether your physical card has arrived yet - You can get a temporary Medicare number over the phone if you need it for appointments before your card arrives - The SSA office can print you a temporary Medicare card if you really need something physical to show providers Since you mailed it last Tuesday and you have 2.5 months until your 65th birthday, you should be well within the safe zone timing-wise. I'd recommend checking your my Social Security account online in about 2 weeks to see if your application shows up in the system - that's usually the first sign they've received and started processing it. Don't stress too much about it - the system works, it's just slow! And congratulations on your upcoming retirement!

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This is exactly what I needed to hear! Thank you for the detailed breakdown and the reassurance about the timing. I'm definitely going to check my online account in a couple weeks like you suggested. It's such a relief to know that even if the physical card is delayed, my coverage will still start automatically. Really appreciate you taking the time to share your experience!

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I'm going through something similar right now! I submitted my application online about 3 weeks ago and just got my approval letter yesterday. From what I understand, the Medicare card usually follows within 1-2 weeks after the approval letter arrives. One thing that really helped me was setting up text notifications through my Social Security account - they'll send you updates when there are changes to your application status. Also, if you're worried about timing, you can always call Medicare directly at 1-800-MEDICARE once your application is approved to get your Medicare number over the phone if you need it before the physical card arrives. The waiting is definitely stressful, but it sounds like you have plenty of time before your 65th birthday! Hang in there - you should be all set well before you need it.

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That's great to hear you got your approval letter! I didn't know about the text notification option - I'm going to set that up right away. It's really encouraging to hear from someone who's currently going through the same process. Did you have any issues with the online application, or did it go smoothly? I'm kind of regretting mailing mine in instead of doing it online, but hopefully it all works out the same in the end.

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I work at a local SSA field office and can give you some insight into the process. Mailed applications typically take 2-3 weeks just to be entered into our system, then another 2-3 weeks for processing. Your Medicare card is usually mailed out about 1-2 weeks after approval. Since you mailed yours last Tuesday, you're looking at roughly 5-7 weeks total timeline, which puts you well ahead of your 65th birthday. A few tips: 1. Check your my Social Security account online after 3 weeks - that's when mailed apps usually show up in the system 2. If you need to call, try between 8-9 AM on weekdays for shorter wait times 3. Your Medicare coverage is effective the first day of your birth month regardless of when your card arrives 4. We can provide temporary documentation if needed before your card arrives Don't worry about not sending it certified mail - we process thousands of mailed applications and very few get lost. The system is slower than we'd like, but it works. You should be all set well before your birthday!

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Wow, this is incredibly helpful coming from someone who actually works at SSA! Thank you for breaking down the timeline so clearly - 5-7 weeks total sounds very manageable given that I have 10+ weeks until my birthday. I really appreciate the insider tips about when to call and when to check online. It's such a relief to hear from an actual employee that mailed applications rarely get lost. I was starting to worry after reading some of the horror stories, but your explanation makes the whole process seem much more reliable and predictable. Thanks for taking the time to share this information!

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Just went through this exact process myself! I mailed my application in October and received my Medicare card about 5 weeks later. The timing worked out perfectly since I turned 65 in December. One thing that really helped was creating the online account like others mentioned - I could track the progress and it showed up in the system about 2.5 weeks after I mailed it. Also, when I called to check on the status (used the 8 AM tip someone shared), they were able to give me my Medicare number over the phone so I could give it to my doctor's office before the physical card arrived. You're definitely in good shape with 2.5 months to go! The most stressful part is just the waiting and not knowing, but once it gets into their system you'll have much better visibility into the timeline.

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Thanks for sharing your timeline! It's so reassuring to hear from people who've actually been through this recently. The 5-week timeline you mentioned aligns perfectly with what the SSA employee said earlier, so that gives me a lot more confidence. I'm definitely going to set up that online account this weekend and use the 8 AM calling tip if I need to check on things. It's really helpful to know I can get my Medicare number over the phone before the card arrives - that takes a lot of pressure off having the physical card in hand right away. I'm feeling much better about this whole process now!

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I'm currently going through the Medicare enrollment process myself and found this thread really helpful! One thing I wanted to add that I learned from my benefits counselor - if you're currently on an employer health plan, make sure you understand how the timing works with dropping that coverage versus when your Medicare kicks in. My HR department told me that some people accidentally create a gap in coverage by dropping their employer plan too early, or they end up with overlapping coverage and pay double premiums for a month or two. Since your Medicare coverage starts the first day of your birth month regardless of when the card arrives, you want to coordinate the timing carefully. Also, I second what others said about calling early in the morning - I got through in about 15 minutes when I called right at 8 AM, versus over an hour wait when I tried calling in the afternoon. Good luck with everything, and it sounds like you're well ahead of the timeline!

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This is such an important point about coordinating with employer health plans! I hadn't even thought about the timing overlap issue. I'm actually still working part-time and have health insurance through my employer, so I'll definitely need to talk to HR about when to drop that coverage. Do you know if there's a specific rule about how long you can keep both, or is it just a matter of avoiding paying double premiums? I really appreciate you bringing this up - it's exactly the kind of detail that could cause problems if I don't plan it right!

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Great question about the employer coverage coordination! From what I understand, if you have employer coverage when you turn 65, you can generally delay enrolling in Medicare Part B without penalty as long as you're still actively employed and covered. However, once you stop working or lose that coverage, you typically have 8 months to enroll in Medicare Part B without facing late enrollment penalties. The key is making sure there's no gap between when your employer coverage ends and when your Medicare coverage begins. I'd definitely recommend talking to both your HR department and calling Medicare directly at 1-800-MEDICARE to get the specifics for your situation, since the rules can vary depending on company size and other factors.

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I just wanted to share my recent experience since I went through this exact same process about 3 months ago! I mailed my Social Security and Medicare application in late November and received my Medicare card in early January - so about 6 weeks total. Here's what helped me during the waiting period: 1. I set up my Social Security online account about 2 weeks after mailing, and my application showed up in the system around the 3-week mark 2. Called the 1-800-772-1213 number at exactly 8 AM on a Tuesday and only waited about 10 minutes (versus the hour+ waits I experienced calling later in the day) 3. They were able to confirm receipt and give me a timeline over the phone The most stressful part was just the uncertainty, but once I could see the application in my online account, I felt much better. Your timeline sounds perfect with 2.5 months to go - I had much less time and everything worked out fine! One tip: if your doctor needs Medicare info before your card arrives, Social Security can give you your Medicare number over the phone once your application is approved. That was a lifesaver for me since I had a scheduled appointment. Don't worry too much about the mailed application - the vast majority get processed without issues. You should be all set well before your 65th birthday!

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