Ashok K

medicare.gov has good info on the eligibility, enrolment periods, when coverage starts and other details. No complications. https://www.medicare.gov/sign-up-change-plans/how-do-i-get-parts-a-b In this link in the left menu are all the options to view these details. There should not be any confusion about eligibility, enrolment periods etc. The only misdirection I had from others is that when you are still covered by an employer plan that meets the Medicare criteria, some said I still need to sign up, but discussing with medicare customer service and my benefits coordinator cleared this up. We need not sign up as long as we have coverage. when you loose coverage a 7 month SEP starts. For me this was all not difficult. Difficulty arose in how to calculate HSA limits.

Wonderful discussion found here. I have been researching struggling on this for a few months now and I think I have stumbled upon this post, which answers my questions. ? Exactly same situation as Rick S. But a slight variation. Medicare eligibility is same. Difference is I had included my catch up contribution into the calculation for payroll deduction. Thank you Spiritrider for all the detailed calculations. One clarification on the 6 month retroactive coverage. This applies only when you sign up for Medicare later and not in the initial enrolment. As in this case, suppose 65th birthday is in Aug 2018, initial enrolment period runs from May 1st to Nov 30th 7 month period. If enrolled during this period, Part A is defaulted to Aug 1st. Part B will be effective on Aug 1st or the 1st of the month after signing up depending on which month you sign up. So there is no retroactive period here. There are situations where you can postpone signing up for Medicare and can sign up later when an eligible event occurs. So say you signed up on June 30, 2019, Part A will be retroactively effective 6 month prior and Part B from July 1st.