Medicare Blog

if i sign for medicare on the 3rd month after my 65th birthday, when does coverage begin

by Dr. Lilly Maggio Published 2 years ago Updated 1 year ago

If you sign up 3 months after you turn 65, your coverage will start 3 months after you sign up. If you missed your initial enrollment period, you can sign up for Part A and/or Part B during the January 1 through March 31 general enrollment period. In this case, your coverage will start on July 1.

You can sign up for Part A any time after you turn 65. Your Part A coverage starts 6 months back from when you sign up or when you apply for benefits from Social Security (or the Railroad Retirement Board). Coverage can't start earlier than the month you turned 65.

Full Answer

When does my Medicare coverage start?

Medicare coverage starts based on when you sign up and which sign-up period you’re in. Generally, when you turn 65. This is called your Initial Enrollment Period. It lasts for 7 months, starting 3 months before you turn 65, and ending 3 months after the month you turn 65. My birthday is on the first of the month.

What happens when you turn 65 and have Medicare?

If you are already receiving Social Security benefits when you turn 65, the Social Security Administration will automatically enroll you in parts A and B of Medicare. (Part A covers hospitalization.) You can opt out of Part B, for example if you have health insurance through an employer or other source.

When can I enroll in Medicare Part B after 65?

NOTE: If you have a qualifying event to enroll in Part B after 65, you will be able to start Medicare right away, and not have to wait until the General Election Period.

When should I enroll in the Medicare Supplement Program?

En español | You should probably enroll during the seven-month window known as your initial enrollment period. It begins three months before the month of your 65th birthday, includes that month, and ends three months after the birthday month. For example, if you turn 65 on July 4, 2021, the enrollment window is open from April 1 to October 30.

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How long after you sign up for Medicare does it take effect?

between one and three monthsYour Medicare coverage will begin between one and three months after you sign up, depending on when you enroll.

How many months before my birthday should I apply for Medicare?

three monthsIn most cases, you should apply for Medicare as soon as you're eligible. The initial enrollment period starts three months before the month you turn 65, includes your birth month, and extends three months past the month you turn 65, giving you a seven-month window to apply.

How many months before your 65th birthday should you apply for Medicare?

3 monthsGenerally, we advise people to file for Medicare benefits 3 months before age 65. Remember, Medicare benefits can begin no earlier than age 65. If you are already receiving Social Security, you will automatically be enrolled in Medicare Parts A and B without an additional application.

What day of the month does Medicare start when you turn 65?

You will have a Medicare initial enrollment period. If you sign up for Medicare Part A and Part B during the first three months of your initial enrollment period, your coverage will start on the first day of the month you turn 65. For example, say your birthday is August 31.

Do Medicare benefits start the month of your birthday?

If you qualify for Premium-free Part A: Your Part A coverage starts the month you turn 65. (If your birthday is on the first of the month, coverage starts the month before you turn 65.)

What should I be doing 3 months before 65?

You can first apply for Medicare during the three months before your 65th birthday. By applying early, you ensure your coverage will start the day you turn 65. You can also apply the month you turn 65 or within the following three months without penalty, though your coverage will then start after your birthday.

Does Medicare automatically start at 65?

Yes. If you are receiving benefits, the Social Security Administration will automatically sign you up at age 65 for parts A and B of Medicare. (Medicare is operated by the federal Centers for Medicare & Medicaid Services, but Social Security handles enrollment.)

How close to my 65th birthday should I apply for Medicare?

A: The best time to enroll is during the open enrollment window around your 65th birthday – preferably in the three months before the month you turn 65, so that you'll have Medicare coverage by the time you turn 65.

Do I need to contact Social Security when I turn 65?

Is it automatic when I turn 65? To enroll in Medicare, most people need to contact Social Security directly. Do this before your 65th birthday to avoid a lapse in health coverage.

What day of the month does a Medicare Advantage plan take effect?

Coverage under a Medicare Advantage plan will begin the first day of the month after you enroll. Example: Judy's last day of work is July 1 and her group health plan ends July 31.

What is the Medicare enrollment timeline?

It starts 3 months before you turn 65 and ends 3 months after you turn 65. If you're not already collecting Social Security benefits before your Initial Enrollment Period starts, you'll need to sign up for Medicare online or contact Social Security.

What date does Medicare consider the date of service?

The date of service for the Certification is the date the physician completes and signs the plan of care. The date of the Recertification is the date the physician completes the review. For more information, see the Medicare Claims Processing Manual, Chapter 12, Section 180.1.

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Will I Be Automatically Enrolled In Medicare At 65?

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How to enroll in Medicare if you are turning 65

Most people become eligible for Medicare when they turn 65. Your Medicare enrollment steps will differ depending on whether or not you are collecting retirement benefits when you enter your Initial Enrollment Period (IEP).. If you are receiving Social Security retirement benefits or Railroad Retirement benefits, you should be automatically enrolled in both Medicare Part A and Part B.

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When does Medicare start?

If you enroll during the first three months of your IEP, your Medicare coverage begins on the first day of the month you turn 65 (or the first day of the previous month if your birthday falls on the first day of a month). If you sign up during the fourth month, coverage begins on the first day of the following month.

How long do you have to pay Medicare if you are in prison?

Similarly, if you’re imprisoned after age 65 and already enrolled in Medicare, you’re expected to continue paying premiums to avoid penalties when you come out. Part D drug coverage has different rules. On your release, you’re entitled to a special enrollment period of up to three months (if you turned 65 in prison) or up to two months ...

When does IEP coverage begin?

If you sign up during the fourth month, coverage begins on the first day of the following month. But if you leave it until the fifth, sixth or seventh month, coverage will be delayed by two or three months. For example, if your birthday is in June and you sign up in September (the last month of your IEP), coverage will not begin until Dec. 1.

Do you have health insurance if you have cobra?

You have no other health insurance. You have health insurance that you bought yourself (not provided by an employer) You have retiree benefits from a former employer (your own or your spouse’s) You have COBRA coverage that extends the insurance you or your spouse received from an employer while working.

How long does Medicare last after you turn 65?

During the 1st month you turn 65. Medicare will start 1 month after you sign up. One month after you turn 65. Medicare will start 2 months after you sign up. 2 months after you turn 65. Medicare will start 3 months after you sign up. 3 months after you turn 65. Medicare will start 3 months after you sign up.

When you apply for Medicare will it affect your effective date?

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What is the phone number for Medicare?

If you have an urgent matter or need enrollment assistance, call us at 800-930-7956. By submitting your question here, you agree that a licensed sales representative may respond to you about Medicare Advantage, Prescription Drug, and Medicare Supplement Insurance plans.

When do you get your Social Security card?

This typically happens when you have already enrolled to receive Social Security. If this is your case, you will receive your red, white, and blue card about three months before your 65 birthday, and your coverage will begin on the 1st day of your birth month.

What happens if you have delayed Part B?

If you have delayed Part B, your start date will be different from above, as will your Medicare Advantage and Medigap effective dates. If you are enrolled in Medicare Advantage and want to switch to Medigap, click to learn your effective date. If you are enrolled in Medigap and Switch to Medicare Advantage, click to learn the rules.

When does Medicare start for 65?

Your 65th birthday is on May 20. If you sign up for Medicare in February, March, or April, your coverage will start on May 1.

When do you sign up for Medicare Part A?

Sign up 3 months before birthday. If you sign up for Medicare Part A and/or Medicare Part B during the first 3 months of your Initial Enrollment Period, your coverage begins on the first day of the month in which you turn 65.

How long does it take to get insurance after turning 65?

If you sign up in the month after you turn 65, your coverage will start 2 months after you sign up. If you sign up 2 months after you turn 65, your coverage will start 3 months after you sign up. If you sign up 3 months after you turn 65, your coverage will start 3 months after you sign up.

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What is the Medicare Part A and B?

You have amyotrophic lateral sclerosis (also known as ALS or Lou Gehrig’s disease). You will be automatically enrolled in Medicare Part A and B the first month your Social Security and Railroad Retirement disability benefits begin. You have end stage renal disease (also known as ESRD or end-stage kidney disease).

What happens if you miss the Medicare Part B deadline?

If you miss this deadline, you may have to pay higher premiums for Medicare Part B, which covers doctor bills, outpatient fees and other medical expenses. However, some people who are still working at 65 and have group health insurance through their employer (or a spouse's employer) may be able to delay enrollment without this penalty.

When is the enrollment window open for Medicare Part B?

For example, if you turn 65 on July 4, 2021, the enrollment window is open from April 1 to October 30. If you miss this deadline, you may have to pay higher premiums for Medicare Part B, which covers doctor bills, outpatient fees and other medical expenses. However, some people who are still working at 65 and have group health insurance ...

When does Medicare open for 2021?

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The Initial Enrollment Period (IEP)

The Initial Enrollment Period is the first opportunity (and often the best time) to enroll in Medicare. This is a seven-month window during which you can sign up for Medicare Parts A, B, C and D. The seven months are aligned with your date of birth:

Medicare Coverage When Automatically Enrolled

If you are already receiving Social Security or Railroad Retirement Board benefits before your 65th birthday, you will be automatically enrolled in Medicare Parts A and B when you turn 65. In such a case, your Medicare coverage will begin on the first day of the month you turn 65.

Medicare Coverage for General Enrollment Period (GEP)

If you miss out on the seven-month window of IEP, and you are not automatically enrolled in Medicare, you can sign up during the General Enrollment Period. General Enrollment runs every year, starting from January 1st to March 31st. In this case, your Medicare coverage starts on July 1 of the same year you enroll.

Special Enrollment Period (SEP)

In some cases, you might be eligible for special enrollment depending on circumstances that affect your current health insurance coverage. For instance, you may have moved (plan options can vary by region) or lost creditable coverage – such as when you or your spouse retire and lose employment coverage benefits.

When does Medicare start?

If you enroll during the first three months of your IEP, your Medicare coverage begins on the first day of the month you turn 65 (or the first day of the previous month if your birthday falls on the first day of a month). If you sign up during the fourth month, coverage begins on the first day of the following month.

How long do you have to pay Medicare if you are in prison?

Similarly, if you’re imprisoned after age 65 and already enrolled in Medicare, you’re expected to continue paying premiums to avoid penalties when you come out. Part D drug coverage has different rules. On your release, you’re entitled to a special enrollment period of up to three months (if you turned 65 in prison) or up to two months ...

When does IEP coverage begin?

If you sign up during the fourth month, coverage begins on the first day of the following month. But if you leave it until the fifth, sixth or seventh month, coverage will be delayed by two or three months. For example, if your birthday is in June and you sign up in September (the last month of your IEP), coverage will not begin until Dec. 1.

Do you have health insurance if you have cobra?

You have no other health insurance. You have health insurance that you bought yourself (not provided by an employer) You have retiree benefits from a former employer (your own or your spouse’s) You have COBRA coverage that extends the insurance you or your spouse received from an employer while working.

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