Chat with us, powered by LiveChat

Medicare Advantage Plans

Starting At $0/ Month

Just give us a little information,
and find out if you have $0 Premium Plans in your area.

When Will My Medicare Coverage Start?

Most people are enrolled automatically in Original Medicare (Part A and Part B) as they approach the age of 65 with coverage start dates based on birthday month. For those who need to enroll manually, effective coverage dates could be earlier or later, depending on the situation. Knowing exactly when your coverage starts can help you make the right decisions about your medical care.

Automatic Enrollment— Coverage Starts Near Your 65th Birthday

Here’s the good news: most people are enrolled in Original Medicare automatically, and receive a red, white and blue Medicare card by mail approximately 3 months before turning 65. In this case, Medicare benefits begin on the first day of your birthday month. For example, if you were born on July 24, July 18 or even July 31, your benefits begin on July 1. There is one exception. For those born on the 1st of the month, benefits begin on the 1st day of the month prior to the birthday month. For example, if you were born on December 1, your benefits begin on November 1.

If You Sign Up Manually During Your Initial Enrollment

In the event you are not enrolled automatically and choose to enroll in Medicare yourself, effective coverage dates vary based on the month you sign up. If you sign up during your Initial Enrollment Period (the 7 month period of time beginning 3 months before your 65th birthday and ending 3 months after your 65th birthday) effective start dates are shown below.

If you sign up for Medicare:

  • The same month you turn 65, coverage begins 1 month after you sign up.
  • 1 month after you turn 65, coverage begins 2 months after you sign up.
  • 2 months after you turn 65, coverage begins 3 months after you sign up.
  • 3 months after you turn 65, coverage begins 3 months after you sign up.

If You Sign Up Manually After Your Initial Enrollment Period

You may enroll in premium-free Part A (most people are eligible) anytime during or after your Initial Enrollment Period starts with coverage start dates based on when you sign up. However, if you do not qualify for free Part A, and need to buy it or need to sign up for Part B, and miss your Initial Enrollment Period, you may have to wait until General Enrollment Period, Jan 1-Mar 31, with coverage starting on July 1. 

 

References:

https://www.medicare.gov/sign-up-change-plans/get-parts-a-and-b/when-coverage-starts/when-coverage-starts.html

https://www.medicare.gov/sign-up-change-plans/get-parts-a-and-b/when-how-to-sign-up-for-part-a-and-part-b.html#collapse-5769

https://www.medicare.gov/sign-up-change-plans/get-parts-a-and-b/when-sign-up-parts-a-and-b/when-sign-up-parts-a-and-html

https://www.medicare.gov/your-medicare-costs/part-a-costs/part-a-costs.html

MUC64-2017-BCBS

Testimonial Suzon was very pleased with Lilly being professional, knowledgeable and great at what she does. S. Lanz, Woodridge
Testimonial Debbie was so polite. She didn’t make me feel incompetent when I didn’t understand something. S. Scheibly, Decatur
Testimonial Kathleen was helpful and provided me with information quickly! M. Greaney, Oak Lawn

Latest News

Read all the news

Medicare Part B Penalties

Illinois seniors delight in learning how much Medicare can help with the rising costs of healthcare. Controlling chronic pain or debilitating…
Read more

Medicare Readiness Checklist

9 to 12 months before you turn 65 Confirm that you are eligible to receive Medicare benefits by calling the…
Read more

Medicare Part A and B Explained

Like most Illinois seniors, there’s a good chance you’ve heard of Medicare – you may even know that it’s a…
Read more

I’m Getting Ready to Retire, But I’m Past 65 – What Now?

Often, seniors choose to enroll in Original Medicare when they are first eligible, at age 65, during their Initial Enrollment…
Read more

Understanding Medicare Enrollment Periods

If you’re looking to secure a Medicare-approved health care plan, do you know when you are eligible to enroll? Take…
Read more