How to replace your Medicare card

You can order a replacement Medicare card online through your Medicare account, by phone, or by mail. The fastest way is online at Medicare.gov — you can request a new card in about five minutes if you have your Social Security number and date of birth. If you do not use the internet, you can call 1-800-MEDICARE (1-800-633-4227) and a representative will mail one to you, which usually takes 7 to 10 business days. You do not need to visit an office in person.

A replacement card costs nothing. You may need one if your card is lost, stolen, damaged, or if your name has changed. Medicare will send the new card to the address on file, so make sure your mailing address is current before you order.

Key Takeaways

  • The online method at Medicare.gov is fastest and takes about five minutes if you have your Social Security number and date of birth.
  • Calling 1-800-MEDICARE is the best option if you do not have internet access or prefer to speak with someone.
  • Your replacement card will arrive at the address Medicare has on file, so update your address before ordering if you have moved.
  • There is no cost to replace your card, and you do not need to visit an office or provide a reason for the replacement.

Ordering online through Medicare.gov

Go to Medicare.gov and sign in to your account using your username and password. If you do not have an account, you can create one with your email address and a password. You will need to verify your identity by answering security questions or receiving a code by email or text.

Once you are signed in, look for the option to order a replacement card. This is usually under "My Health Information" or a similar section. Select the reason your card needs to be replaced — lost, stolen, or damaged — though the system does not require you to prove it. Enter or confirm your mailing address, then submit your request. You will see a confirmation message with an expected delivery date, usually 7 to 10 business days.

Keep the confirmation number for your records. If your card does not arrive within two weeks, you can use this number to check the status or contact Medicare.

Ordering by phone

Call 1-800-MEDICARE (1-800-633-4227) and tell the representative you need a replacement card. Have your Social Security number, date of birth, and current mailing address ready. The representative will confirm your identity by asking you questions about your account, then process your request over the phone.

The call usually takes 10 to 15 minutes. The representative will give you a confirmation number and tell you when to expect your card. Medicare typically mails cards within 5 to 7 business days after you call.

Customer service is available Monday through Friday, 8 a.m. to 8 p.m. Eastern time. If you call outside these hours, you can leave a message and someone will call you back, or you can try again during business hours.

Ordering by mail

If you prefer to request a replacement card in writing, you can mail a letter to the address on the back of your current card or on any Medicare document you have. Write a short letter that includes your name, date of birth, Social Security number, current mailing address, and the reason you need a replacement (lost, stolen, or damaged).

Mail your letter to the address listed on your Medicare materials. This method takes longer — usually 2 to 3 weeks — because your letter must be received, processed, and then your card must be printed and mailed. Use this option only if you cannot access the internet or phone.

What to do if your card is stolen or compromised

If your Medicare card was stolen or you think someone may have used your Medicare number, call 1-800-MEDICARE right away. A representative can flag your account and watch for unusual activity. You should also check your Medicare claims history to make sure no services were billed under your name without your permission.

To view your claims, sign in to your Medicare account at Medicare.gov and look for "Claims" or "My Claims." If you see services you did not receive, contact Medicare when ready with the dates and details. Medicare can investigate and correct your record.

Updating your address before ordering

Your replacement card will be mailed to the address Medicare has on file. If you have moved recently or your address is wrong, update it before you order your new card. You can change your address online through your Medicare account, by calling 1-800-MEDICARE, or by mailing a request to Medicare.

If you update your address online, the change usually takes effect within a few days. If you call, the representative can update it when ready. Once your address is correct, you can then order your replacement card and it will go to the right place.

Using your old card while you wait

You can continue using your current Medicare card at doctor visits and pharmacies while you wait for your replacement, even if it is damaged or worn. Providers can look up your Medicare number in their system using your name and date of birth. If your card is lost or stolen, tell your doctor's office and pharmacy so they know to use an alternate method to find your account.

If you need proof of your Medicare coverage before your new card arrives, you can print a temporary proof of coverage from your Medicare account online, or call 1-800-MEDICARE and ask them to mail you one.

Frequently Asked Questions

How long does it take to get a replacement card?

Online orders usually arrive in 7 to 10 business days. Phone orders take 5 to 7 business days after you call. Mail requests take 2 to 3 weeks. Delivery times can vary depending on your location and mail service.

What if I never received my replacement card?

Check your mailing address in your Medicare account to make sure it is correct. If the address is wrong, update it and order a new card. If the address is correct, call 1-800-MEDICARE with your confirmation number and they can investigate or send another card.

Can I get a replacement card if my name changed?

Yes. You can order a replacement card with your new name, but you must first update your name with Social Security. Once Social Security has your new name on file, Medicare will automatically update their records, and you can order a new card through Medicare.gov or by phone.

Do I need to bring anything to an office to get a replacement card?

No. Medicare does not require you to visit an office. You can order a replacement card entirely online, by phone, or by mail from home.

What if I do not have internet access or a phone?

You can mail a written request to the address on your Medicare documents. Include your name, date of birth, Social Security number, and mailing address. This method takes longer but does not require internet or a phone call.