When does Medicare coverage start? | Medicare
your first opportunity to register (initial registration period)
Usually, when you turn 65. this is called the initial enrollment period. runs for 7 months, starting 3 months before your 65th birthday and ending 3 months after the month you turn 65.
my birthday is the first day of the month
Reading: What age does medicare insurance start
when your coverage starts
Your coverage start date depends on the month you enroll during your initial enrollment period. Coverage always begins on the first day of the month.
If you qualify for Part A with no premium: Your Part A coverage begins the month you turn 65. (If your birthday is on the first of the month, coverage begins the month before you turn 65.)
part b (and premium-part a): coverage starts based on the month you sign up:
if you register:
Coverage Begins:
before the month you turn 65
the month you turn 65
the month you turn 65
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next month
1 month after turning 65 years old
in 2022: 2 months after registration
from January 1, 2023: next month
2 or 3 months after your 65th birthday
in 2022: 3 months after registration
from January 1, 2023: next month
sign up to get a free share later
You can enroll in part a any time after your 65th birthday. Your Part A coverage begins 6 months before you enroll or apply for Social Security (or Railroad Retirement Board) benefits. coverage cannot begin before the month you turn 65.
I have a health savings account (hsa)
after your initial enrollment period ends, you can only enroll in part b and part a premium during one of the other enrollment periods.
between January 1 and March 31 of each year (general enrollment period)
You can enroll between January 1 and March 31 of each year. this is called the general enrollment period. your coverage begins July 1 (beginning January 1, 2023, your coverage will begin the month after you enroll). You may pay a monthly late enrollment penalty if you don’t qualify for a special enrollment period.
Get details about late enrollment penalties.
special situations (special enrollment period)
There are certain situations where you can enroll in Part B (and Premium Part A) during a special enrollment period without paying a late enrollment penalty. a special enrollment period is only available for a limited time. If you don’t sign up during your special enrollment period, you’ll have to wait until the next general enrollment period and you may have to pay a monthly late enrollment penalty.
check my specific situation to know when to register.
when coverage starts
Coverage generally begins the month after you enroll.
special situations include:
Have health insurance through a job and continue to work; You can enroll in part a and part b at any time as long as:
- has group health plan coverage.
- You or your spouse (or a family member if disabled) are working for the employer that provides your health coverage.
You also have 8 months to enroll after you or your spouse (or a family member if disabled) stops working or loses group health plan coverage (whichever comes first).
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Your 8-month special enrollment period begins when you stop working, even if you choose cash or other non-Medicare coverage.
You are volunteering and serving in a foreign country; contact social security for details.
certain situations for people with tricare: contact tricare for details.
join a plan
once you join medicare part a, there are certain times when you can join a medicare advantage plan or a medicare drug plan (part d) . find out when you can join a plan.
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