Delays in Medicare enrollment are becoming more common, according to recent observations from professionals assisting individuals with the process. The Social Security Administration (SSA), which handles enrollment for Social Security Retirement Benefits, Social Security Disability, and Medicare, is reportedly experiencing longer processing times than previously noted.
While most online sources suggest that enrolling in Medicare takes between two to six weeks, SSA representatives often cite a 60-day timeline. However, as of June 2025, those familiar with the process say applicants should now expect it to take two to three months.
One advisor stated, “The problems and delays at SSA are worse now than at any time in the 14 years I’ve been assisting people with Medicare! This may be due to the post-Covid employment climate or government service cuts.”
Applicants have reported issues such as lost paperwork and difficulty reaching SSA by phone or in person. In one case, an individual submitted their application on April 1 but was only informed on May 23 that it had been misplaced. Another applicant began the process just a week before needing coverage but was unlikely to receive their Medicare number in time.
Obtaining a Medicare number is essential before enrolling in either a Medicare Advantage or Medigap plan. Without this number and Part A & B coverage from SSA, further steps cannot be completed.
The advice given is clear: “Advise your clients and patients to start the process 2-3 months prior to their 65th birthday or retirement date. Delay could result in a gap in health insurance coverage and access to vital care and/or medications.”
