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The following chart shows when your Medicare Part B becomes effective in 2023: If you enroll in this month of your IEP If you sign up during the month you turn 65 or during the last 3 months of your IEP, your coverage starts the 1st day of the month after you sign up. If you accept the automatic enrollment in Medicare Part B or if you sign up during the first 3 months of your IEP, your coverage will start the month you’re first eligible. If you’re eligible at age 65, your Initial Enrollment Period (IEP) begins 3 months before your 65th birthday, includes the month you turn age 65, and ends 3 months after that birthday. Because you must pay a premium for Part B coverage, you can opt out of that coverage. With our online application, you can sign up for Medicare Part A and Part B. Should I Sign Up For Part B (Medical Insurance)? To learn more, read Medicare Premiums: Rules For Higher-Income Beneficiaries. Some beneficiaries with higher incomes will pay a higher monthly Part B premium. You can sign up for Medicare Part B (medical insurance) by paying a monthly premium. Most people age 65 or older are eligible for free Medicare Part A (hospital insurance) if they have worked and paid Medicare taxes long enough.
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Some of the items and services Medicare doesn't cover include:
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Medicare Advantage Plans and Medicare Cost Plans may cover some extra benefits, like fitness programs and vision, hearing, and dental services. Medicare doesn't cover everything. If you need services Part A or Part B doesn't cover, you'll have to pay for them yourself unless: