68-1Once you have attained the Medicare eligibility, the waiting period before your coverage plan becomes active varies and depends on your age and the time that you sign up.

Birthday determinant

If you enroll into Medicare Part A and Part B within the first three months of the Initial Enrolment Period, the start date for your coverage will be determined by your birthday.

In that case your coverage will be effective as from the first day of the month that you become 65 years old, unless the birthday is on the 1st day of the month. In the event that your birthday is on the first day of the month, your coverage will become active on the month before turning 65 years. For example, if your birthday is on July 1st, if you sign up in either March, April or May, then your coverage will start on June 1st.

After that, your coverage start date will retroactively go back 6 months from your signup date.

68Time period determinant

If you sign up for Medicare during the month that you turn 65 years, your coverage will become active a month later from your sign up date. If you sign up for coverage a month after turning 65 years, then your coverage will begin 2 months from your signup.

As for those who sign up 3 months into their 65th year, the coverage will start 3 months from sign up date. In the event that you sign up during the general enrollment period (between January 1st and March 31st), your coverage will start July 1st.

You should therefore determine the best period to sign up for the coverage so you can start enjoying the benefits within a short time period. Regardless of the period of time you sign up, you have to wait for at least a month before using the coverage.

Are you looking forward to signing up for Medicare health insurance Florida coverage? Determine the best time to sign up and explore your plan options with Medicare Medics.