To apply for Medicare, you need to know what you need to do in order to get coverage. It may sound complicated and difficult, but the process is actually quite simple. Listed below are a few important steps you must follow. Make sure you follow these instructions to the letter. You should also keep in mind the waiting time, as it can sometimes exceed 90 days. However, if you plan on receiving your Medicare benefits as soon as possible, you can avoid this hassle. You Can Apply For Financial Aid If You Qualify For The Program Those who are still working can also apply for Medicare, but the process is different. Self-employed people and those with fewer than 20 employees may need to apply for the program themselves. If you do not have a group health insurance plan, you may want to apply for COBRA. Additionally, you can apply for financial aid if you qualify for the program. In some cases, it is free to enroll in Medicare. If you don’t have any income, you may qualify for financial assistance. In addition to applying online, you can also go to a local Social Security office and fill out a form in person. This option is faster and more convenient than completing the process online. The form will automatically adjust based on the answers you enter. However, you may need to set an appointment to visit a local Social Security office. However, it is important to note that most local Social Security offices have closed due to the COVID-19 pandemic.