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Getting Medicare - Step 1

Know Your Timing

So your 65th birthday is on the horizon and it's time to start thinking about Medicare.  But before we get into the "parts" and "plans" and what they mean, you need to know when you can apply.

When you first apply for Medicare you have the 3 months prior to your birthday month, your birthday month, and the three months following your birthday month to get signed up.

For example...let's say Joe's birthday is June 8th.  Joe has March, April, and May (the 3 months prior to his birthday month), June (his actually birthday month), and July, August, & September (the 3 months after his birthday month) to get signed up.

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If Joe get's an early start and enrolls during the 3 months prior to his birthday month, his Medicare will become effective on June 1st (the 1st day of his birthday month).

If Joe enrolls during his birthday month or later his coverage will begin on the 1st of the following month.  For example, if Joe enrolls on July 17th his coverage will go into effect on August 1st.

Now that we are familiar with our timing we can go on to discuss Part A and Part B...

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