When Does My Medicare Coverage Begin?
Understanding when your Medicare coverage starts is crucial for planning your healthcare needs. Typically, your Medicare coverage begins in several scenarios:
- Age-Based Enrollment: If you are turning 65, your Medicare coverage generally begins on the first day of the month you turn 65. If your birthday is on the first day of the month, your coverage will start on the first day of the previous month.
- Initial Enrollment Period: You have a seven-month Initial Enrollment Period (IEP), which begins three months before your 65th birthday, includes your birthday month, and ends three months after. During this period, you can sign up for Medicare, and your coverage will typically begin as outlined.
- Disability Enrollment: If you are under 65 and qualify for Social Security Disability Insurance (SSDI), your Medicare coverage will generally start 24 months after you begin receiving SSDI benefits.
- End-Stage Renal Disease or ALS: If you have End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS), you can get Medicare coverage as soon as you start dialysis or, in the case of ALS, as soon as you are eligible for SSDI.
It’s important to remember that even if your coverage starts, you may still need to pay premiums and deductibles, depending on the plan you choose. Always check with Medicare and your specific plans for detailed information.