When your Medicare Part A and Part B becomes effective is very important for you to know, in order to be able to coordinate the cancellation of your current insurance and enrollment into Medicare Health Plans. While most people will be automatically enrolled, those who are born on the 1st of the month, or those who enroll themselves can have earlier or later Medicare effective dates.
When Will My Medicare Coverage Start?
Like earlier noted above, most people will be automatically enrolled into Medicare. If this is your story, you will receive your red, white, and blue card about three months before your birthday, and your coverage will begin on the 1st day of your birth month, unless your birthday lands on the 1st, then your coverage will begin on the 1st day of the prior month. Remember that in 2018, the Medicare card you receive will look different. An example of this is if you were born on May 1st, your Medicare coverage would start April 1. Now there are other exceptions that we’ll explain in our easy to read chart:
|When you sign up for Medicare:||When your Medicare will begin:|
|Automatically enrolled/signed up before your 65th birthday month||First day of your birth month; UNLESS|
|Automatically enrolled/signed up before 65th birthday month BUT your birthday falls on the 1st||Your coverage will start on the 1st day of month prior to your birthday|
|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|
|After that time*, you can usually only apply during the General Election Period (1/1-3/31)||Medicare will start July 1st.|
*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. Source: Senior65
Coordinating Start Dates for Medigap with Medicare
Once you know when your Medicare effective date is, you’ll want to immediately apply for Medicare Supplement (Medigap) before your Medicare effective date. By doing this you make sure you have no gap in coverage. You can also call us at 877-217-5668 to get help or click here to get an affordable Medigap quote today!!