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When Will My Medicare Coverage Start?
When you choose to apply for Medicare will affect your effective date.
Understanding when your Medicare Part A and Part B will be effective is key to coordinate cancellation of your current insurance and enrollment into Medicare Supplemental Insurance plans. While most people will be automatically enrolled in Original Medicare, those who are born on the 1st of the month or those who enroll themselves can have different Medicare effective dates. You can calculate your enrollment dates here.
When Will My Medicare Coverage Start?
Like described above, most people will be automatically enrolled into Medicare. This typically happens when you have already enrolled to receive Social Security. If this is your case, you will receive your red, white, and blue card about three months before your 65 birthday, and your coverage will begin on the 1st day of your birth month. If your birthday lands on the 1st of the month, then your coverage will begin on the 1st day of the prior month. An example of this is if you were born on May 1st, your Medicare coverage would start on April 1st.
Check Out Our Medicare Deadline Calculator
If you chose to delay your start of Medicare and do not have a qualifying event (such as coverage through work) the chart below will explain when your coverage can/will begin.
|When you sign up for Medicare:
|When your Medicare will begin:
|Automatically enrolled/signed up before your 65th birthday month
|First day of your birth month
|Automatically enrolled/signed up before 65th birthday month BUT your birthday falls on the 1st
|Your coverage will start on the 1st day of month prior to your birthday
|During the 1st month you turn 65
|Medicare will start 1 month after you sign up
|One month after you turn 65
|Medicare will start 2 months after you sign up
|2 months after you turn 65
|Medicare will start 3 months after you sign up
|3 months after you turn 65
|Medicare will start 3 months after you sign up
|After that time, you can usually only apply during the General Election Period (1/1-3/31)
|Medicare will start July 1st.
NOTE: If you have a qualifying event to enroll in Part B after 65, you will be able to start Medicare right away, and not have to wait until the General Election Period.
Coordinating Start Dates for Medigap with Medicare
Once you know when your Medicare effective date is, you can apply for Medicare Supplement (Medigap). You can enroll up to 3 months before your part B effective date. This way there is no gap in coverage. Call us at 800-930-7956, and we can help coordinate your dates.
Learn More about Medigap Get a Medigap QuoteApply for Medigap
Coordinating Start Dates for Medicare Advantage or Drug coverage and Medicare
Same as above. Once you learn your Original Medicare effective date, you'll want to apply for Medicare Advantage prior to that date, so that you have the coverage you desire.
Learn More about Medicare Advantage Get a Medicare Advantage Quote
Further Information About Medicare Start Dates
- If you have delayed Part B, your start date will be different from above, as will your Medicare Advantage and Medigap effective dates
- If you are enrolled in Medicare Advantage and want to switch to Medigap, click to learn your effective date
- If you are enrolled in Medigap and Switch to Medicare Advantage, click to learn the rules
- Don't forget to coordinate your Part D drug plan enrollment with your Original Medicare
Reader Comments and Questions
By Margaret on April 18, 2020
I became permanently disabled due to lung disease on January 9, 2019 and started collecting SS disability in July of 2019. I was told by SS office that I would be eligible for Medicare in January of 2021 even though I will not turn 65 until September of 2021. I need to make sure this is correct as I am currently covered under my husband's insurance, but only until December of 2020 when he retires. Please advise.
We cannot comment on your specific case but Medicare does allow people with certain disabilities to enroll in Medicare Insurance prior to turning 65. The start time can depend on state and federal laws. You would have to confirm your status with the Centers for Medicare Services (CMS). You can call CMS at 1-800-633-4227. Once enrolled we can help you with additional Medigap, Medicare Advantage or Part D Drugs.
Best of luck,
Senior65.com Staff
By Scott on March 18, 2020
I will retire at 70 and sign up for Medicare Part A and Part B on Aug 14, 2020. I am covered by a high deductible medical plan with an HSA at work. I have been told that Medicare Part A will be retro-active for 6 months prior to my signing up and this will affect the amount in can contribute to my HSA for 2020. Is the date that Medicare Part A will retro-active to Feb 14 or Feb 1 or something else.
You will have to contact Medicare directly at 1-800-633-4227 to find out the exact Part A effective date but we do know that it will always be on the first of the month. Both Part A and B can only start on the first of the month.
Senior65 helps people enroll in Medigap, Medicare Advantage and Part D drug coverage at no additional cost so once your Part A and Part B is active please give us a call.
-Michelle from Senior65.com
By Bill on October 06, 2019
I am 68 and still working plus am covered by an acceptable company plan. I plan to retire in March 15, 2020. When do I need to sign up for part B to make sure that I have continuous insurance coverage when I retire? Also is in more cost effective to take Corba coverage for several months after retirement and then sign up for Part B or is it best to sign up for Part B so I have coverage on March 16, 20220
COBRA does not count as credible coverage to delay part B. You could be charged penalties if you delay it.
You will want to start the special enrollment process for your Medicare Part B a few months before your work coverage ends. Medicare should allow you to pick your start date in the future so you can time it to match when your work coverage ends which should be April 1 (But check with your employer).
Once you enroll in Medicare you should consider getting a Medigap policy, Part D or even Medicare Advantage. Give us a call to enroll in any of these plans at no additional cost.
-Chris from Senior65.com
By Jeffrey on October 01, 2019
I turn age 65 on December 30, 2019. I currently have ACA Marketplace coverage thru December, 2019. My two questions: 1. if I enroll in Medicare Part A and B in December(the month of my birthday) will my Medicare coverage be effective on January 1, 2020? 2. will my ACA marketplace coverage(thru Florida Blue) continue to cover me for two days(December 30 and 31) until January 1, 2020? I would be 65 for those two days but yet not covered by Medicare.
1. That is correct. Your Medicare coverage would begin on January 1st.
2. Typically your ACA plan covers you through the end of the month but please contact them to confirm.
Now that you are enrolling in Medicare, give us a call to get Medigap, Part D, or Medicare Advantage. We charge nothing for our services.
-Michelle from Senior65.com
By Nick on September 27, 2019
I am 67 and have been covered by my employers group health coverage for the last 7 years. I am still working and covered through January 1, 2020. I have just signed up for Medicare A and B September 27th) coverage as I plan to drop my employer's coverage during open enrollment for next year. My question is when would my medicare part a and part b coverage go into effect?
You will want to start the special enrollment process for your Medicare Part B a few months before your desired start date. Medicare should allow you to pick your start date in the future so you can time it to match when your work coverage ends. You will want to confirm your specific case with Medicare and/or the Social Security Administration.
Once that happens you will get two full months to enroll in Medicare Advantage, Part D or Medigap. Give us a call to get you enrolled in any of these plans. We charge nothing for our services.
-Michelle from Senior65.com
By Debar on September 11, 2019
This is a two part question.I will be 66 and at full retirement in April 2020. I will retire from my job on June 30, 2020 therefore my work group insurance plan will cease on July 1, 2020. I have already applied for and received my Medicare part A card but when should I apply for Medicare Part B? I will not begin receiving Social Security benefits until July 1, 2020 also. The next question is, my husband has been on my group plan for many years but has been receiving Social Security for 13 years. When do we need to get apply for him Medicare part B? He also has his Medicare part A card. He will be covered on my work group plan until July 1, 2020 also.
You will want to start the Special Enrollment process for both your and your husband's Medicare Part B a few months before your desired start date. Medicare should allow you to pick your start date in the future so you can time it to match when your work coverage ends.
-Amy from Senior65.com
By Wayne on September 07, 2019
I turn 65 on Dec. 3, 2019. If I enroll in Part B to start in December, I will pay the monthly premium, but I believe I will also have the full year's deductible to pay if I want to use Part B. Correct? So I am thinking to start Part B in January (to avoid the one month of a full year's deductible). To do that, can I just enroll in Medicare in the month of December? And there would be no late enrollment fee, right? Also, I understand I could enroll in Part A at the same time, in December, and that it would cover me retroactively to the beginning of my birthday month, December. So even enrolling one month late for Medicare to start in January, I still would be covered in Part A for December. Is that all correct?
You are correct in saying that if you enroll in December your coverage would start in January and there would be no late enrollment fee. Since there is usually no charge for part A, we don't know the benefit of delaying its start date.
When your time to enroll comes, give us a call to get a Medigap, Part D or Medicare Advantage plan. We charge nothing for our services.
-Michelle from Senior65.com
By Thomas on September 07, 2019
Hi Tina, My birthday is 01/11/1955. Can I enroll to Medicare Supplement plan F in 2019 before it ends 12/31/2019 ?
Unfortunately you will not be able to enroll in Plan F since you will turn 65 after 2020. However, as you can read in our answered question, most seniors are preferring to enroll in Plan G because of the changes in 2020.
Give us a call to get you enrolled when you are ready. We can also help you with Medicare Advantage and Part D drugs. Remember we charge nothing for our services.
-Michelle from Senior65.com
By Tania on August 05, 2019
I turn 65 in November 2019. I have employer based plan (employer has less than 20 employees) and I will continue to work after age 65. Can I delay Part B and enroll later with a special enrollment period, or do I need to enroll during the initial eligibility period to avoid penalties since my employer has less than 20 employees? Secondly, if I wanted to enroll with a Part B eff date of January 1, 2020 as I have met my out of pocket maximum for 2019, is this possible since I am still working? Or am I still subject to December 1, 2019 start or February 1, 2020 start date only based on chart above regardless of current employment?
You can delay Part B and enroll during the Special Enrollment period even if your employer has less than 20 employees.
Since you will be coming off credible coverage from your work, the chart above will not apply to you and you can select a start date that coincides with the end of your work insurance.
Contact us when you decide to quit working. We can get you enrolled in Medigap, Medicare Advantage and Part D with no gap in coverage. We charge nothing for our services.
-Michelle from Senior65.com
By James on August 05, 2019
I was on my spouse's medical insurance and postponed Medicare A and B since I was fully covered. I was waiting until I turned 70 to collect social security (Jan 2019). My spouse was laid off last October 4, 2018 and her plan was To be continued through COBRA. I went to the SS office in October and signed up for SS and Medicare. My Medicare part A was backdated 6 months and B effective 1-1-19. I also separately purchased a Plan F eff 1-1. I could not backdate Plan B and wasn't told this could cause a gap. I had out patient surgery 11-18 and Cobra says it's secondary and Medicare B would be primary (but B could not become eff until 1-1). What is going on? When you're unemployed and your spouse is laid off can Cobra become secondary on insurance you can't enroll in (plan B). Is there anything I can do for this unintentional situation?
Unfortunately COBRA is usually secondary to Medicare. Did they explain why your Part B didn't begin at the same time as your Part A since you were coming off credible coverage? I would check with the Centers for Medicare Services (CMS) to see if someone could clarify this. It doesn't make sense.
-Chris from Senior65.com
By Therese on July 24, 2019
My Birthday is 10/31, I have the marketplace Insurance which ends 12/31/19 I pay $0 for my insurance and I would like to keep the coverage until 12/31/19. When should I sign up for Medicare and my part B so I don't get penalized.
Your ACA Marketplace plan should automatically end when you turn 65 so you will most likely not be able to extend it to the end of the year. Please call your current provider to confirm this. Based on your birthday, you should sign up now for Medicare.
Once enrolled,please call us to get a Medigap plan, Part D or Medicare Advantage. We charge nothing for our services.
-Michelle from Senior65.com
By Larry on July 04, 2019
The chart on when Medicare starts is confusing, at least to me. (I realize it is identical to the chart on medicare.gov, so I do not blame you.) I turn 65 in November. According to the chart, if I sign up for Medicare coverage in November (the month I turn 65), coverage starts in December (one month after I sign up). But if I sign up in December (one month after I turn 65), coverage starts in February (2 months after I sign up). And if I sign up in January (2 months after I turn 65), my coverage starts in April (3 months after I sign up). This does not make sense. I would like to finish 2019 on "Obamacare" and have Medicare start January 1. As I read the chart, this is not possible. Is my thinking correct? Thanks.
The chart is accurate and so are you. It makes no sense! Yes, you would have to enroll in November for your Medicare to start in December. If you wait until December, you will lose January coverage. Ridiculous.
One thing, you may not be able to stay on our ACA plan after you turn 65. Check with your current provider.
Once you finally do enroll in Medicare , we can help you enroll in a Medigap, Medicare Advantage, and/or Part D Drug plan. We charge nothing for our services.
-Michelle from Senior65.com
By Willie on July 02, 2019
My birthday is on October 2019 , and I want my Medicare to start on January 1 2020, so when shall I sign up for Medicare?
You can sign up in November for your Medicare to start on January 1st. If you enroll in December, your coverage would begin on March.
Since you are enrolling in Medicare you should probably consider getting a Medigap, Drug or even a Medicare Advantage plan. We can help you enroll at no cost to you.
-Michelle from Senior65.com
By Lillian on June 04, 2019
I signed up for Medicare in May 2019. I will be 65 this week. I told the interviewer that I would begin my Medicare on July 1. I received a letter that my first social security check, for July, would arrive in August, and would have 2 payments of Part B premiums deducted. 135.50 x 2 = $ 271 So, is a monthly premium paid in advance? Thanks!
Yes, premiums are typically paid in advance. Let us know if we can help you with supplemental insurance or your part D drug plan.
-Chris from Senior65.com
By Millie on May 05, 2019
Many years ago I read that if your birthday was January 1st (which it is) that I could apply for Medicare/S.S. benefits in September 4 months before opposed to October which is 3 months before. Or has this changed or am I mistaken. I thank you for your time and patience concerning this issue Sincerely Millie
The rule leads to some confusion. If your birthday falls on the 1st day of any month, your Part B Effective date is on the 1st of the month PRIOR to your birthday. Meaning that if your birthday is on January 1st, your coverage can start on December 1st. You should should be able to apply 3 months before Dec 1st start date..
After you enroll in Medicare you will probably want to get a Medigap, Medicare Advantage and/or a Medicare Part D drug plan. Give us a call if you decide to enroll! We charge nothing for our services.
-Michelle from Senior65.com
By Michele on April 08, 2019
I just signed up for Medicare - I was not asked about Plan A - I answered 'yes' I want Plan B... I understand this also automatically will include A??
You should be enrolled in both Medicare A and B but you will want to confirm with Medicare directly. It is technically possible to sign up for B without part A.
Once you have enrolled in both Part A and B, you will want to consider additional coverage that helps you cover what Medicare doesn't. We help people enroll in Medicare Advantage, Medigap and Part D drug plans at no additional cost, so please give us a call.
-Michelle from Senior65.com
By Mo on April 03, 2019
I'm receiving Social Security now. I'll turn 65 in December 2019. I understand that I would automatically be enrolled in Medicare starting December 1. However, I prefer to have Medicare start on January 1, 2020. Is this change allowable? My reason is to remain covered by a Marketplace health plan through the month of December, and not lose a month of the premium subsidy (my younger spouse is also covered by the Marketplace plan).
As shown on the chart on this page, you do not need to start Medicare when first eligible.
Remember that once you enroll in Medicare you can get Medigap too. We would love to help you enroll so please call us, we charge nothing for our services!
-Michelle from Senior65.com
By Michael on March 27, 2019
I am still working and have my employers insurance. I will turn 66 in December. If I retire at the end of 2019 at age 66 when should I sign up for Medicare? Should I just sign up in the General Election Period of 1/1/2020-3/31/2020?
After you retire you will have a Special Enrollment Period which will give you two full months to enroll in Medicare Part A and B. Enrolling during this time means that you won't be subject to a Part B penalty. You can read more about it in our article What if I missed my Medicare Deadline.
When you are ready to enroll give us a call! We can help you at no additional cost to you.
-Michelle from Senior65.com
By Barbara on March 20, 2019
I will turn 65 Mar 2020, I receive widow benefits at present want to continue with this until 70. Will I receive a medicare card in March automate or will I need to apply. Are they go to ask for me to change my SSA?
Typically if you are getting benefits from Social Security then you will be automatically enrolled in Medicare part A and B. Since you are receiving Widow benefits, you will want to confirm this directly with Medicare.
Once enrolled in Part A and Part B, you can sign up for Medigap, Medicare Advantage and/or a Part D drug plan. We can help you do this at no additional cost.
-Chris from Senior65.com
By Lynn on March 05, 2019
Hello, I am 68 and I have health insurance with my employer. I have Medicare Part A but not B. I have an appointment scheduled with social security (for social security benefits) in April. Should I bring the Medicare employer verification form in to HR or wait until April and how long should it take to enroll in Part B. I cannot retire until this in in place. Thank you.
Since you still have coverage through work, you qualify for Medicare special enrollment. You should be able to enroll in your Medicare Part B in advance and select a future Part B start date. That way should can time it that when your work coverage ends your Medicare part B (and any supplemental or drug coverage you may purchase) all start at the same time. You should not have a gap when your work coverage has ended but your Medicare has yet to begin. If you have follow up questions, give us a call.
-Chris from Senior65.com.
By Kathy on January 23, 2019
I am turning 65 in June 2019. I am already covered by Tricare and collecting Social security. Do i Need to apply for medicare parts a & b or will I be automatically enrolled and receive my card in mail?
You may automatically get Medicare Part A and Part B benefits if you're turning 65 and you are already getting retirement benefits from the Social Security Administration. If this is the case, your Medicare card will be mailed to you three months before your 65th birthday.
Now that you are turning 65 you may want to enroll in a Medigap Plan (Medicare Supplement) to cover the gaps that Medicare leaves. We would love to help you enroll so please give us a call when you are ready.
-Chris from Senior65.com
By Robert on January 22, 2019
I turned 65 on January 9, and work a full-time job with good health insurance, and I have never elected to receive social security benefits. I had a hospital stay January 19. I called Soc Sec 800 number today on January 22 to enroll in Medicare Parts A and B (I plan to use B as secondary). They say I cannot enroll today. Rather, I will receive an interview call from my local Soc Sec office Jan 25, to enroll me. They said I will not be covered until Feb 1. So I am 65 and within the legal enrollment period, yet Medicare Part A cannot cover my hospital expenses on Jan 18, when I was 65 years old? Is that true? If I postpone medical tests, etc maybe hospital stays until February, will I be covered by Medicare A and B?
If you were not enrolled in Medicare at the time of your treatment, it is typically not covered. You will want to confirm with Medicare but it is our understanding that your medical tests and hospital stays that occur after February should be covered (assuming a 2/1/2019 effective date).
This is a great time to consider supplementary coverage as well so you don't get caught underinsured. After you enroll in Part A and B we can help you select and enroll in a Medigap plan (Medicare Supplement) and/or part D drug coverage. We can help you with this at no additional cost to you and if you enroll in January you can get this coverage starting February 1.
-Chris from Senior65.com
By LINDA on January 07, 2019
I turned 65 on January 03, 2019 and have not received my Medicare card. I still work and have medical insurance through my employer. When will I receive my card? Others in my family said that they are mailed to you automatically.
If you are already receiving Social Security, you should be automatically enrolled and a card should have already been sent to you. If you are postponing Social Security, then you will need to enroll in Medicare before you receive your cards.
Since you have coverage through work, you may want to postpone Medicare Part B and save some money. Check our article on how to delay Medicare Part B here. Once you are enrolled in Both Part A and Part B, please circle back to us and we can help you enroll in a Medigap plan and/or drug plan at no additional cost.
-Chris from Senior65.com
By Michael on November 25, 2018
My wife and I are both 69 and have group medical insurance through my company. We each enrolled in medicare Part A at 65. My wife would now like to leave my group plan and enroll in Medicare Part B along with a supplemental plan while I will continue with my company coverage. We were told by social security her voluntary dropping of the group plan would serve as a qualifying event triggering the special enrollment period ( SEP ) and there would be no late enrollment penalties as long as my company provided proof of continuous coverage. They also told us with proof of continuous coverage there could be no health questions regarding pre existing conditions when applying for medicare supplemental insurance. We also called medicare who said there may be a 30-60 day ( or more ) delay before Part B coverage is processed.
By Richard on November 05, 2018
I will be 65 on January 31, 2019. Can I sign up now for Medicare and start on January 1, 2019? If not, what is my best (soonest) option? Thanks!
By Janice on October 26, 2018
I will turn 65 in September 2019 and will not begin collecting SS until age 66. Also, I have creditable group coverage for medical and Rx through my employer (2000 employees). I do not want to enroll in Medicare Part A or B when I turn 65. What I would like to do is quit on February 28, 2020 and then enroll in Medicare Part A and Part B with an effective date of March 1, 2020. Will I be able to do this? I'm confused about this business of 'going back 6 months for the effective date'. Thanks for any information.
That chart above does not apply to you since you have a "qualifying event." If you have credible coverage through work, you should be able to delay your Part B start time until March 1, 2020 as desired. Unless you contribute to a Health Savings Account (HSA) or have to pay a premium for Part A, you will want to consider enrolling in Part A when you hit 65. Here is a good worksheet offered by Medicare.
Finally, be sure to circle back to our site once you have enrolled in Part B. We would like to help you select additional medicare insurance or part D drug coverage.
-Chris from Senior65.com
By Audrey on October 26, 2018
I will turn 65 on my birthday which will be June 14, 2019. When should I begin the process of signing up for Medicare benefits. Both Part A and Part B?
You can sign up for Medicare 3 months before the month you turn 65. In your case that would begin on April 1, 2019. You can learn more on our Senior65 Medicare page. Makes sure you circle back to https://www.senior65.com after you have Part A and Part B to research and purchase additional Medicare insurance.
-Eric from Senior65.com
By Tung on October 16, 2018
I will be 65 in March 2019 and currently receiving Social Security benefits. When will I receive the Medicare card? I will need the Medicare Beneficiary Identifier (MBI) to enroll the Medicare Advantage Plan from my former company. Where could I get this number asap? Thanks
-Michelle from Senior65.com
By Anthony on October 14, 2018
I turn 65 on November 4th 2018. Was told my medicare starts on Nov 1st. What I don't understand is the first payment of $134 is coming out of my November social security check which I've been told is for October Medicare part B payment. Why would this be when I don't have coverage in October and not until November?
That doesn't make sense to us as well. We would suggest contacting Social Security for clarification as you will not have to pay for October part B if it doesn't begin until November.
If you haven't already done so, check our Medicare Deadline Calculator to make sure you don't miss your Medigap, Medicare Advantage or Part D drug deadlines.
-Michelle from Senior65.com
By Mark on July 16, 2018
I'm 68, my wife is 69, and we're both currently covered by my employer health insurance plan. I would like to retire in October 2018 and was wondering if it's too early to apply for Medicare right now (July). I have received CMS-L564 forms from my employer. My goal is to have everything (Part B, Part D, Medigap or Medicare Advantage plans) in place by October 1. My wife and I have chronic illnesses and cannot afford lapses in coverage. What are your suggestions for timing all this?
-Chris from Senior65.com
By Nancy on July 12, 2018
I turned 65 on June 26, 2018. I will not start social security until I'm 70. I started my Medicare application online on May 17, 2018. I did not complete the application and submit it until June 22, 2018. Does my Medicare coverage start in June or July? What rules, the date one starts the application or the date one submits the application?
Your submission data is the date that the Social Security and the Center for Medicare Services (CMS) look at. That being said, your start date is not always the month that follows your submission date so you should check with CMS to confirm when your medicare begins.
Once you have a Medicare part B start date you can then enroll in a Medigap or Medicare Advantage plan. We can help you research and purchace medicare supplemental insurance here at Senior65.com. Please give us a call when you are read.
-Michelle at Senior65.com
By Susie on July 12, 2018
Hi, I'm retiring as of July 31, 2018. I'm 68. I signed up for Medicare part A when I was 65 but continued to be covered by my employer's health insurance. I'll be signing up for Part B in the next month or so. I'd like to COBRA for a while after July 31, so I can continue my employer's health care and take my time to look at health insurance supplement options. Will COBRA cover me? Thanks for your help!.
Check with your HR department to see if you can have COBRA and Medicare part B. This depends on the size of the company and your timing. If you have COBRA first and then enroll in part B, your COBRA may end.
If you are interested in Medicare Advantage or Medigap your initial enrollment is based on your Part B effective date so make sure you do not miss those deadlines as well. Check out our Senior65 Medicare Deadline Calculator.
-Chris from Seniro65.com
By Jill on July 09, 2018
I just turned 65 in July 2018 and am enrolled in medicare part a. I am working and have my company's medical plan. However, I am having knee replacement surgery at the end of September 2018 and will max out my plan's allowance for physical therapy visits. Can I assume that if I apply for medicare part b they will cover additional visits above my plan's maximum? Also, if that is the case can I enroll in part b effective October 1 or should I do it before my replacement surgery? Can I enroll under the IEP or do I have to disclose that I am covered by another plan and enroll under the SEP?
In general, if you left your old plan and enrolled in Medicare Part B, your physically therapy allowance would start fresh and would not include visits that took place before you enrolled.
-Michelle from Senior65.com
By Zag on June 09, 2018
I turned 65 in December 2017 and signed up for Medicare Part A. I delayed Part B as I was covered through wife's employer. Both wife and I still have coverage through her employer. I would like to terminate coverage through my wife and transition to Medicare Part B with Medigap and Part D this month (June 2018) and have a couple of questions. Does the SEP require an involuntary termination of the previous credible coverage or can I simply choose to sign up for Part B and then Medigap/Part D and after everything is in place voluntarily cancel the coverage I receive through my wife's employer? I have the completed CMS-L564 and CMS-40B forms and I plan on submitting these by mid-June requesting a June 1st start date for Part B. Will my coverage actually start June 1st or is it more likely to start on July 1st (or even later)? Thanks
You can wait to cancel your existing coverage until after you are approved on your medigap. They will ask you if you intend on replacing your current coverage with Medigap but you can have an active policy when applying.
While the Center from Medicare Services may retroactively assign your effective date as June 1, that will not happen with your medigap policy. Medigap almost always starts the first of the month following your application. So if you applied on June 15, you would start Medigap on July 1, 2018.
We would like to help you enroll in your plan of choice. There is no hidden fee to work with Senior65 and we will walk you through the entire process.
-Michelle at Senior65.com
By Jan on June 06, 2018
I have signed up for Medicare and a supplemental plan. It is effective Sept.1,2018. In April my doctor told me I need a hip replacement. If I have this surgery the first week of coverage for Medicare will they cover it or is there a wait period?
Please check with your agent or insurance provider to confirm if you are subject to waiting periods. If you worked with Senior65 to enroll, please give us a call and we can go over exactly how you plan works.
-Eric from Senior65.com
By Patricia on May 16, 2018
I receive my Social Security on the third Wednesday of the month. I turn 65 on 06/20/2018. I thought I read somewhere that my first deduction would be in May of 2018, but they did not take the $134 out of my check. When will it be deducted?
-Eric from senior65.com
By Scott on May 15, 2018
I am applying for Medicare. I have been on my former employee's retiree plan from the time I retired from there in 2014 until now On the questionnaire it asks if you "are on a group plan"? I think this is not considered a group plan so i should say "no". Because if I say yes and then enter my employment end date the process raises an error.
Thanks for reaching out. Senior65 helps people enroll in Supplemental Medigap Insurance, Medicare Advantage and Drug plans AFTER they enroll in Medicare part A and B so we are not familiar with the Medicare application.
Generally a retirement plan is not considered a Group plan but you should confirm with the Center of Medicare Services (CMS).
Once enrolled in Medicare, please circle back and we can help you with your supplemental insurance options.
-Michelle from Senior65.com
By Wanda on April 21, 2018
I plan to retire June 1, 2018. My group insurance will end July 31, 2018. I plan to enroll in a Medicare Advantage Plan through my employer but in order to do so they say I must already have medicare plans A and B. When do I need to enroll in plan B in order to not have a lapse in coverage?
We have an article on delaying part B here. Please make sure to check with your HR team to confirm that you have creditable coverage as outlined by Medicare.
-Eric at Senior65.com
By Mary on April 07, 2018
I will begin receiving Social Security beginning in May and Medicare will be deducted automatically . For past three years I have paid the Medicare premium on monthly basis. My question is as to whether I should make the payment in April or will that be first month covered by what is taken out of the social security benefit in May?
Thanks for the question. Senior65 answers general medicare questions and helps people enroll in medicare insurance. It does not deal with specific medicare billing. Give CMS a call at 1-800-633-4227 and they can explain your situation.
-Eric from senior65.com
By Tim on April 05, 2018
I will be 65 on July 18, 2018. I have applied for Medicare Parts A & B and received my Medicare number (although not my actual card yet). Question: My current employer health insurance coverage is in effect until June 30, 2018, after which time my Medicare coverage will begin. If I sign up for a Medicare advantage plan now, will it also begin July 1st, and, will it have any effect on the remaining 3 months of employer heath coverage I current have? Thank you
We rarely recommend having both employer coverage and additional medicare insurance. In some cases you are not able to have both. Give us a call and we can discuss your case to see if you can postpone additional coverage until after your employer coverage ends. It almost always is the best move and can save you money.
-Chris from Senior65.com
By Kevin on February 13, 2018
I am 67 1/2 and retired 2/1/2018. I delayed Med A and B because I was on a HDHP with HSA from employer. Just received my Medicare card and it has 2/1/2018 for Part B but for Part A the date is 05/01/2017. How did Part A date go back 8 months? I understood it would go back 6 months, not 8.
We do not know why they gave you a 5/1/2017 effective date for Part A. Check with the center for Medicare Services for their explanation. The most important date is usually your part B effective date as that determines your deadlines for Medigap, Medicare Advantage and Drug enrollment. Please check our Medicare deadline calculator here
-Chris from Senior65.com
By Steve on January 20, 2018
I am trying to fill out the Medicare Application form because I turn 65 on March 7, 2018 but it won't let me complete the application because my employer allows me to stay on the group health insurance even though I retired in Jan/2017. ( the automated comments say I cannot have ended my employment and still be on their insurance, but I am as is my spouse.) Please help me fill out this form ! Thank you.
For help with your Original Medicare application, you will want to contact the Center Medicare Services directly at 1-800-633-4227. Once enrolled, the team here at Senior65 can help you apply for Supplemental insurance or part D coverage (both of which you may not need if you have coverage via spouse).
Hope that helps and if you still have questions, give us a call.
-Jacima at Senior65.com
By jim on January 17, 2018
I will be 65 on Sept. 21, 2018. I will not receive social security until 2024 but would like to begin medicare on Jan.1, 2019 so that I can keep my marketplace insurance, premium tax credit and hsa deductions until 1/1/19. Is a 1/1/19 medicare parts A and B start date possible? I telephoned Social Security and Medicare who say that a 1/1/19 date is not possible no matter when I apply. (apply June-Sept, effective Sept. 1; apply Oct., effective Dec 1; apply Nov., effective Feb 1.) Thank you.
Before delaying your Medicare start date, I would check with my current individual insurance provider to confirm they will continue to provide coverage after you are 65. Some will stop your coverage at 65.
The information you received from Medicare and SS matches our understanding of a delayed Medicare start date. If that is the case, we suggest starting Medicare Dec 1 as to not have a lapse in coverage.
Please consider working with us, if you decide you will purchase supplemental insurance. -Chris from Senior65.com
By Susan on January 16, 2018
My husband is 69 years old. He is on my insurance through my employer. He applied for part A before he turned 65, but deferred part B per our insurance administrator's recomendation. I'm getting ready to medically retire, and he will have to apply for part B. My retirement may occur in February this year. My question is, if he signs up for part B now, when will it become effective for him?
Thanks for contacting us. Since you have a qualifying event, the waiting period chart above does not apply to you. You husband can request a part B effective date to match your retirement date. Once you have both been issued a Medicare Part B effective date, you can enroll in a Medigap and drug plan if desired. Please consider working with us to help you enroll in supplemental coverage.
-Chris from senior65.com
By C. J. on January 10, 2018
I have a Aetna PPO (Cadillac Plan) for all my Medical Insurance(s) Coverage, of which the my employer pays about 75% & I pay 25%. When I reach 64 1/2 in June 2018--would it be less expensive for me to forego taking any of the Medicare Options, & continue w/ the Employer(Aetna PPO)Medical Insurance Coverage? Thanks. CJZ
You will want to enroll in Medicare part A when you turn 65. Sometimes staying with your current work coverage will save you money over Medigap part B and a Medigap plan. We can help you look into this and do a comparison. As long as you have credible coverage, you will not receive a penalty for delaying part B.
-Eric at Senior65.com
By Chris on January 08, 2018
I'm 68 and, as part of the terms of a buyout, am covered under my employer's insurance until April 1. How soon do I need to apply for Medicare Parts B and D and a Medigap policy to avoid a lapse in coverage?
Also, I plan to relocate to another part of the country this year. Does that affect my insurance choices?
You will want to apply for Part B now with an April 1 , 2018 start date. Once your part B has been processed and they have confirmed your effective date, you can then apply for your Medigap and D plan (BTW we would love to help you enroll in those). As long as you submitted your Gap and D enrollment docs in March, all your new coverage will start on April 1
Second question...Moving. Each company offering Medigap handles moving states differently. Sometimes you can just keep your old plan, others will make you apply for the new local plan and others will average the cost between your old state's Medigap and new state's medigap. If you know where you are moving give us a call and we can help you with that.
-Michelle from senior65.com
By Mike on December 31, 2017
I will be retiring at the November 30, 2018 my 65th birthday is October 9, 2018. My employers insurance would end on November 30, 2018. Should I sign up for Medicare 3 months before my birthday in October or should I wait until October 1, 2018 so coverage would start on November 1st 2018. I also would like to sign up for Part B so I would not lose coverage after November 30th can I do that also in October or 3 months before my 65th birthday. I just don't want a lost of coverage to happen; Thanks
Based on the information you have shared we suggest you start your Medicare part B on Dec. 1, 2018. Since you have credible coverage through work, you can select your part B to start when your work coverage ends with no penalty. We recommend that you start your part D coverage and/or any supplemental coverage on Dec. 1 2018.
-Michelle at Seni Please call us an we can help you coordinate.
-Michelle at Senior65.com
By Gwen on December 13, 2017
I turn 65 April 2018. I'm automatically signed up. I've received my Part A and Part B card already. Will I start to be billed for the Part B in January 2018 or April 2018?
Also do I need to contact anyone so Medicare knows who my supplementary ins is with?
Thanks for your help. Gwen
Your billing for part B should begin in April not January. When you do enroll in a supplemental insurance plan, you do not need to notify Medicare. When we, or whomever, processes your Medicare Advantage, Medigap or Part D drug application, CMS is automatically notified and reviews the application before it is made active.
Please contact us if you need help enrolling in a plan
-Michelle from Senior65.com
By Vernon on December 04, 2017
My 65th birthday is early February 2018. I have complete health insurance coverage through my employer. I expect to continue working for another 3 years. What, if anything, do I need to do now or by my 65th birthday?
Most people in your situation who have coverage via work after age 65 will forgo Medicare part B. Check with your HR director to make sure it counts as credible coverage for both medical and drugs.
Once you eventually enroll in Medicare part B, give us a call and we can help you enroll in supplemental coverage.
-Eric from senior65.com
By Lisa on December 02, 2017
My father is 65 and on Medicare and retiring next year. my mother is only 60 and has no insurance. Does anyone know of any plans that she can enroll into until she turns 65? Thank you!
Your mother will have to apply for an under65 plan using a local agent or using the Affordable Care Act Marketplace.
We, here at Senior65, are licensed to help your father enroll in a Medicare Supplement, Medicare Advantage or Part D drug plan. Please give us a call if you need assistance with that.
-Chris from Senior65.com
By Bob on November 30, 2017
I turned 65 in January of this year & I signed up for Part A. I am still working and covered by my Employer's Health Insurance. I plan on retiring in 2018 (perhaps on 01Apr18). If I sign up for Part B how do I make sure I don't have a coverage gap? In other words when will my Part B coverage start? Can I control that date so I do not have a gap in coverage?
the chart with waiting periods before Medicare start should not apply to you since your work coverage should count as a qualifying enrollment event. See the "*If you have a qualifying event to enroll in Part B after 65, you will be able to start Medicare right away, and not have to wait until the General Election Period." You should confirm this with Medicare first but you should be able to start Medicare part B (and any supplement insurance you purchase on this site) on April 1, 2018.
-Jacima from Senior65.com
By Don on November 21, 2017
I am living overseas and turn 65 in Jan 2018. Am planning to come back to USA for 6 months of each year only -starting in Mid 2018. Will eventually retire full time in USA. I believe it will be better to sign up for B before I incur lifetime penalties. Is this true? When is best time for me to sign up for parts A&B? Also for Part D? (Prescriptions are cheaper overseas for the 6 months). Is there any Medicare / MediGap coverage that covers me while I live abroad or travel outside USA for 6 months of the year? Many thanks, DON
Missing your deadlines for enrolling in Medicare part B and D can cause lifetime penalties if you cannot prove that you have credible coverage. Here is the link to see more about Part D enrollment times
You can also use our Medicare Deadline Calculator to make sure you do not miss your initial enrollment dates.
Plan F and G do have foreign travel emergency but it only covers the first 6 weeks of travel. For longer trips you may want to purchase a separate international insurance policy.
We can help you enroll in your part D and international insurance.
-Eric from Senior65.com
By CASSIE on November 20, 2017
I will turn 65 on November 23, 2020. I plan on retiring this year. I will be carrying Cobra. Will my Medicare A and B start on Nov 1, 2020 or do I need to have it start on Dec 1, 2020. This one month will make a difference of me retiring on April 30, 2018 or May 31, 2018.
You will be first eligible for Medicare A and B to start on Nov 1, 2020 but you do not have to start on this date. As you can see from the chart above you can push back your start date based on when you enroll. Contact Social Security to work with them if you don't want to start on Nov 1.
We can help you time your Medicare Supplement insurance to begin at the same time.
-Michelle from Senior65.com
By Thor on November 20, 2017
I turned 65 on November 5. I signed up for Parts A & B prior to my birthday so my benefit went into effect 11/1/2017 with deductions being taken from my Social Security (which I started collecting in January 2017) and I have supplemental coverage through my union pension plan. Do I have to sign up for Medicare every year or are all the notices I see on TV just for supplemental plans? Thanks!
Love the name! No you do not have to renew Medicare (nor your Medigap policy) each year. They will auto renew.
-Jacima from Senior65.com
By charlie on November 02, 2017
I turn 65 on Aug 6 2018, i'm receiving s.s. when should I sign up for medicare or what should I do, if anything before I turn 65.
Most people who are receiving SS will be automatically enrolled in Medicare part A and B. You should receive notifications roughly 3 months before you turn 65. You will still need to research and select a Medicare Part D (drug) plan and a Medigap plan if you are looking for supplemental insurance. Call us if you need assistance and check out our deadline calculator to make sure you don't miss your deadlines:
-Eric from Senior65.com
By Greg on October 25, 2017
I will be turning 65 in January of 2018. However, I will continue to work until December 31, 2018 and will be covered by my exisiting company with my health benifits. Do I still have to apply for SS and medicare on my 65th birthday or can i defer myself from applying till the following year?
Once you come off your work coverage and enroll in Medicare Part B we can help you identify and enroll in supplemental coverage.
-Chris from Senior65.com
By Rita on October 24, 2017
I will be 65 on 5/24/2018 and I am retired drawing Social Security and will be on Medicare May 1st as well as a Medicare Advantage Plan. Since I will need insurance coverage from Jan-April 2018, could I go with a Short Term Insurance instead of an ACA Plan as I have now which would be a less expensive plan without getting penalized filing my taxes since ACA does not acknowledge Short Term Insurance as a qualifying insurance? I plan on taking some money out of my IRA in 2018 which will add to my income preventing me from getting a good subsidy for Obamacare for an affordable ACA Insurance Premium. Thank You for any guidance.
Thank you for your question. We are unable to give specific tax advice on this site. We suggest you contact your tax professional. While we are not experts in taxes, we do know senior health insurance :) Please contact us for assistance enrolling in your Medicare Advantage plan .
-Michelle from Senior65.com
By Jason on October 23, 2017
Since I turned 65 on September 30, I enrolled for Part A two months earlier and it's now active. However, now I learned my commercial insurance will end 12/31/17. So I want to start Part B January 1, 2018. I'm still in my Initial Enrollment Period. But if I enroll in October, Part B starts in December. If I enroll in November, it starts in February. Arghh. I also qualify for the Special Enrollment Period since I'm losing commercial coverage. SSA says I need to file to start Part B January 3 and if approved it will be retroactive to Jan 1. But if there are issues, it could be delayed 3 months. What do you recommend to start Part B January 1?
"Arghh" is right!!! The timing for enrolling for part B is challenging. Based on the information that you shared, it would be our recommendation that you sign up in October to Start in December. While this starts part B one month early, it will give you piece of mind to know you won't have to try and get B retroactively.
Since you will still have coverage from your work in December, you should enroll in a Part D and a Medigap plan with a January 1, 2018 effective date to save money.
Once you have your part B in place, please give us a call and we can help you enroll in Part D drug coverage and/or a Medigap plan. There is no charge to use our services and we guarantee the lowest price allowed by law.
-Chris from Senior65.com
By Sarah on October 18, 2017
If I apply for a Medigap policy before I turn 65 (so that it is effective the same day Medicare starts), will I have to go through medical underwriting? According to Medicare.gov, open enrollment for Medigap does not begin until the month I turn 65. Since guaranteed issue only applies during Medigap open enrollment, it sounds like I need to wait until I'm 65 to apply and make Medigap effective the month after Medicare starts. Am I right, or am I missing something?
As soon as you have your Medicare Part A and B effective date we can sign you up for a Medigap plan.This can be up to 3 months before your Medicare becomes active. We specialize in making sure our client's Medigap starts on the exact same day as their Medicare becomes active. Please contact us for assistance.
-Michelle at Senior65.com
By Jim on September 19, 2017
I will be 65 on February 14th 2018. I would like to stop working mid January of 2018. My employer insurance would terminate January 31st 2018. If I sign up for Medicare part A and B to start February 1st 2018 would I be able to get Medigap coverage before starting February 1st or have to wait for March 1st 2018 which would be the 1st of the month after I turn 65? It seems odd you can be covered almost an entire month by Part A and B but cannot get valid supplimental insurance until the month after you turn 65.
Your Medigap plan can start the exact same day as your Medicare Part B does. In your case, everything should begin on Feb 1, 2017. Feel free to call us and we can show you how.
-Chris from Senior65.com
By Karen on September 18, 2017
My husband turns 65 on November 19, 2017 and will be retiring on November 17, 2017. He will have medical insurance through his work through the end of November. He is planning to sign up for Social Security, and enroll in a Medicare Advantage plan, Medicare Part A and Part B, all to begin coverage on December 1. Can he enroll for SS online now and receive his Medicare card showing his A & B start date before he retires, even if he does not want to begin coverage for B and the Medicare Advantage plan now? A Medicare Advantage plan will not accept application without proof of A & B coverage, so if he doesn't have a card showing his A & B is in place for December 1, he may face a gap in coverage for drugs and the other things Medicare Advantage will cover. Thank you.
You can get your Medicare ID with your A and B start dates BEFORE he turns 65. You can request those 3 months in advance of your desired start date so he should have no problem having his Medicare Advantage plan begin on the date he is first eligible for Medicare. If he needs help selecting or enrolling in a plan, please have him call us. There is no charge for our assistance.
-Chris from Senior65.com
By Jerry on September 06, 2017
My wife will be 65 on September 17, 2017. She applied for and received her medicare card shortly after she applied in June of 2017. She went to the doctor today September 6, 2017 to get an EKG prior to surgery scheduled for next week. The doctor's nurse told her they could not do the procedure until her actual birthday of September 17. Is this correct?
Check to see what the effective date on her red, white and blue medicare card has for her Part A and Part B effective date but from what you shared it should be Sept. 1, 2017. She would NEVER have to wait to the middle of the month to start since Medicare ONLY starts on the first of the month. Sounds like someone is confused over there. She should still also be eligible for a Medicare supplemental plan but since it is past Sept 1 it would start on Oct 1. Please give us a call if you have any additional questions.
-Chris from senior65.com
By Sam on August 08, 2017
I have 2 questions. I will be 65 on January 1, 2018. Will my medicare become effective on December 1, 2017 and in what month should I expect to receive my medicare card in the mail? I already receive social security, so I assume from the information on this site that I will be automatically enrolled in medicare. Thanks.
Your Medicare effective date should be December 1, 2017. You should receive your cards typically a few months before that date. One you get confirmation of your Part A and Part B effective date you can sign up for Medicare Supplement and Medicare Advantage or a Part D drug plan (up to 3 months before Dec 1. in your case).
-Chris from https://www.senior65.com
By Lance on July 24, 2017
I have the same situation as Ron, June 12, 2017. In addition, I do not and will not receive Social Security before my birthday (i.e. I am not automatically enrolled). From your answer to Ron, is it the case then, that a November application will give me an effective date for Medicare Part A (as well as Part B) of January 1, 2018?
Thanks for your request. When you submit your application may not necessarily determine your Medicare start date. Since your situation is a little tricky, we recommend the following: To make sure you get your Part A and B enrollment timing correct, call the Center for Medicare Services (CMS) at 1800-633-4227.
Reminder: you will have 3 months after your part B effective date to enroll in a part D drug plan and 6 month to select a Medigap plan. Part D and Medigap applications can be submitted as soon as you know your Part B effective date.
Please call us an the number below for assistance with your D and Medigap pricing and enrollment.
-Chris from https://www.senior65.com
By Rina on July 24, 2017
I have been on Medicare. Part A only since I turned 65. I am now 75 years old and would like to apply for Medicare Part B. When can I apply? and how soon after application is accepted for Part B can I use it? Also, what is the total cost for Part B? Thank you!
Thanks for your question. Your answer depends on both your current income and if you have had coverage through a work situation over the last 10 years. You can visit our Medicare cost page here, or give us a call and we can help you calculate it over the phone.
-Michelle at http://www.senior65.com
By KC252 on July 24, 2017
I turn 66 on Feb 7, 2017. I am employed and currently have insurance through my employer. I would like to start Medicare A, B, D, and a medical plan on March 15 , 2018 for both my wife and myself (she is retired and does not receive Social Security). When would I need to sign up?
-Chris from https://www.senior65.com
By Karin on July 19, 2017
I turn 65 on Nov 1, 2017. I just applied for medicare yesterday. Is my medicare start date Oct 1 or Nov 1 and when should I set my start date for supplemental medicare coverage and Part D?
Your Medicare effective date should be October 1 (because if your birthday falls on the first Medicare starts a month before). You can start applying for a Medigap and Part D plan now for that October 1 effective date. Call one of our Senior65 licensed independent insurance agents at 800-930-7956 for help with quotes and enrolling.
-Amy from https://www.senior65.com/
By PJ on June 27, 2017
I enrolled for Medicare Part A and Part B online and received my Medicare card in the mail today. It indicates that my coverage will begin on September 1, 2017 (my 65th birthday is September 11, 2017). I am not eligible for SS benefits until I am 66, so the payment for Part B will not be coming out of an SS check. How do I pay for my Part B?
You will pay your Part B premium directly. Here's an explanation and options for how to pay your Medicare monthly premiums.
-Chris from https://www.senior65.com/
By joe on June 16, 2017
ive been on medical leave for 11 months im loosing my coverage end of june. im waiting for my ssd but ill be 65 in oct can i still get medicare before i get disability ?
If you qualify for Medicare you'll most likely be automatically enrolled as of October 1, just based off age. If your question is will you qualify for Medicare disability before then, probably not, because you usually need 24 months of disability to enroll. You will want to contact Medicare directly to find out for sure. For help for your short term care or for covering costs that Medicare doesn't cover call one of our Senior65 licensed independent agents at 800-930-7956.
-Chris from https://www.senior65.com/
By Ron on June 12, 2017
I turn 65 on Oct 10, 2017. I am retired and currently have insurance through ACA. I would like to start Medicare A, B, D, and a medical plan on Jan. 1, 2018. When would I need to sign up?
While you might be able to delay your Part B, D and Medigap or Medicare Advantage coverage for three months, you may not be able to delay your Part A. If you are already or will receive Social Security benefits prior to your birthday, you will automatically be enrolled. This would mean you have to drop your ACA plan as of Oct 1. But lets just say that you are not automatically enrolled, you would need to apply by November 1st for a Jan 1st start date. For help with your Medicare health plans call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/
By Donna on June 07, 2017
My husband turns 65 at the end of October 2017. He does not plan on retiring yet. I am not working and do not turn 65 until 2025. I am covered under his insurance on his job. What steps would you suggest he takes in the coming months? Thank You
Thank you for your question. If your husband does not want to retire, he should enroll in Part A and delay Part B, but only as long as his coverage is considered creditable coverage. Once he does retire, he can join Part B and a Medigap plan, if he so chooses. If you have further questions please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/
By Lin on June 05, 2017
I believe the last comment deserves a correction. If a person's 65th birthday is on August 1, their Medicare (if they are receiving Social Security benefits and are automatically enrolled into Medicare or if they apply early enough) will become effective on July 1 - the month PRIOR TO the birth month. For any birth date other than the first, Medicare becomes effective on the 1st of the birth month.
By Frank on June 03, 2017
My friend enrolled onto Medicare Part A&B 3/1/17 and wants to sign up for a Part D plan and Medigap plan for 7/1/17. Will he still be in his IEP for the Part D plan if he is signing up this week - the 3rd month of his IEP for 7/1? He still is on an employer plan and is terming that on June 30th. Thanks!
It sounds like he has creditable coverage through work; therefore, he can enroll in a Part D plan when he leaves that coverage. If for some reason he does not have creditable coverage, he would need to sign up for Part D in the month of June (and it will take several months to begin). If your friend needs help finding a Part D have him call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Eric from https://www.senior65.com/
By Joel on May 27, 2017
I am 62 and turn 65 in August of 2019. I am currently employed full time. While I am very unhappy at my job I do have great benefits. I know that COBRA coverage lasts for 18 months and I am happy to pay for it, but I just want to know what is the earliest specific date I can leave my job to insure that I will have continuous COBRA coverage until Medicare kicks in. Thank you!
Your Medicare coverage most likely will begin on August 1, 2019 (unless your DOB is Aug 1, in that case it would be Sept 1). Therefore you would want to start COBRA Feb 1.
We know it's a ways away, but remember once you're enrolled in Original Medicare you'll have out of pocket expenses. If you're interested in learning about how Medigap fills in those gaps give one of our Senior65 licensed independent insurance agents a call at 800-930-7956.
-Chris from https://www.senior65.com/
By Paul on May 23, 2017
I turn 65 on December 23, 2017. I am currently on an Obama Care plan. Will I be automatically enrolled in Medicare and it will start on December 1, 2017? I plan on starting and receiving my first Social Security check in January 2018. If my Medicare starts on December 1, 2017, will I be billed for that first month, or will it be deducted from my first Social Security check?
If you are enrolled in Social Security you will be automatically enrolled in Medicare when you turn 65. Your Part B should be deducted from your Social Security, but since you are starting your Social Security a full month after your Medicare will begin you will need to contact SS to see how your first payment will be taken care of.
If you are interested in enrolling a Medicare Advantage or Medicare Supplement plan to help offset the cost of Original Medicare call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/
By Carol on May 10, 2017
I will turn 65 on July 25th, 2017. I am retiring from teaching at the end of this school year. My health insurance is effective through August 31, 2017. I applied for Medicare Parts A and B, and clearly indicated that I wanted Medicare to begin on September 1st. When I received my letter from Soc Sec a few days ago, it stated July 1 as my start date. I called my local Soc Sec office and they said it cannot be changed! They suggested that on July 1, I use Medicare as my primary insurance and my current coverage as secondary. This makes no sense. Why should I pay for 2 months of Part B when my current plan covers me through August 31? Also, through the teacher retirement board, a plan for Medicare Part D is offered and I will apply for that around my birthday. What can I do about getting my Medicare Parts A and B to begin 9-1? Thank you.
This is strange! You should be able to delay your Part B by returning the letter you have received. We don't know why you not be able to, and cannot answer that without knowing more.
Our suggestion is to contact Social Security again and request the change. (Maybe the person you spoke to was confused.) If you are not able to get help that way, we suggest contacting your state's Department of Insurance. Best of luck!
-Amy from https://www.senior65.com/
By David on May 04, 2017
I am retired and turn 65 on May 7, 2017. I am not automatically enrolled in Medicare because I retired with a Civil Service pension instead of Social Security benefits. I plan to apply on-line for Medicare Part A on May 5, 2017. Will Part A take effect on May 1 or June 1? Also, I plan on delaying enrollment in Medicare Part B but still enroll within my IEP. Say I was to apply on-line for Part B on June 5. That would be less than 1 month after my 65th birthday but would be the next month after I turn 65. Would my Part B (with premiums charged) take effect on July 1 or August 1?. Can you give me the month Part B (with Premiums charged) would start if I were to apply on July 5 or August 5? Please be specific on dates. Don't just refer me to the chart above with no dates. Thanks for your help..
We know it can be confusing! If you apply during the month of your 65th birthday (May), it will begin the month after,(June.) If you apply in June, your plan will start two months later (August). However, since you have a very specific situation, you will want to contact Medicare directly to find out if your dates are different than the above chart. If you need any help with enrolling in a Medigap or Medicare Health plan, contact one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/
By Mike on April 26, 2017
So I got some answers from SSA. Your table would make sense compared to what SSA told me if the lower entries in the columns "When you sign up for Medicare" and "Your Medicare coverage would begin" were: "The month you turn 65", "On the first day of the month after you sign up"; "The month after you turn 65", "on the first day of the second month after you sign up"; The second or third month after you turn 65", "on the first day of the third month after you sign up". Also noteworthy from that conversation is that Medicare billing/payment is on a full month basis, i.e. it is not pro-rated based on the day you sign up. If you are covered for a month, you will pay for that month. I hope this helps others. If you think I got any of this wrong, please cite a source. I couldn't get SSA to point me to a source document of their own for this information.
By Mike on April 17, 2017
Thanks for the reply. However, you didn't answer any of my questions. I was hoping you could answer so that I didn't have to spend a long time waiting for SSA to reply to the same questions, and that others might benefit from seeing an answer to the questions without having to ask them for themselves.
Thank you for writing back! If your retiree insurance is considered creditable coverage (you will need to check with your company and Medicare), then you can delay enrollment beyond the initial 7 months. If your insurance is not creditable coverage, and you apply for coverage, your insurance will always start on the 1st of the month -per the chart above -which would be September. You would pay for the months that you are actually enrolled. As always, and especially for your specific situation, we highly recommend contacting Medicare for specific answers to when your effective date will begin.
-Amy from https://www.senior65.com/
By Mike on April 17, 2017
Background: Presume I turned 65 on March 15, 2017. Retired, but currently have good coverage through former employer as a retiree. Hope to add Medicare Part B as late as possible without incurring a permanent penalty. I understand this translates to applying sometime in June 2017. Based on Medicare page (https://www.medicare.gov/sign-up-change-plans/get-parts-a-and-b/when-coverage-starts/when-coverage-starts.html) my coverage would then start three months after I sign up. So, if I sign up on June 2nd, would coverage start September 1, September 2, or October 1? Again, if I sign up on June 2nd, what months of coverage will I have to pay for, September forward, or October forward. What If I sign up on June 20th, are answers the same?
Medicare coverage always begins on the 1st of the month. Now, if you delay Part B, you will have a different enrollment time frame. For that, you will want to contact Medicare directly. When you're ready to enroll in a Medicare health plan, contact one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/
By Michelle on April 06, 2017
I will be 65 on June 5, 2017. My part B coverage will be effective June 1, when will first premium be deducted? I also have full medicaid do i still need to sign up for an Advantage plan or Medigap plan with Part D. I also qualify for extra help with part D coverage
Your premium should be deducted on your effective date, unless otherwise stated/requested. If you have Medicaid, you may be eligible for a Special Needs Medicare Advantage plan, you will not be eligible to enroll in a Medigap plan, unless Medicaid gives you approval.
-Amy from https://www.senior65.com/
By Gary on April 05, 2017
I turn 65 in October of 2017.I currently carry the health insurance for my wife and myself through my employer.When i take Medicare my wife will be going to her employers health plan. To coordinate this I wanted to be on Medicare January of 2018. In reading the above info would I apply in November of 2017? Or when?
Good question! Only thing is, the answer you are looking for may not actually answer your question. Let me explain. If you have creditable coverage through work, you can continue that even when you are Medicare eligible, but most likely you will want to enroll in Part A and delay Part B. If you delay Part B, your Medicare enrollment will start when you confirm that time with Medicare. If your work insurance is not creditable coverage, they will most likely require that you enroll in Medicare right away. Again, you will want to confirm with Medicare. When you do retire, reach out for help enrolling in a Medicare health plan by calling one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/
By Gary Jay on March 30, 2017
My 65th birthday was February 1, 2017. I am covered by a group plan through my husband. If I sign up for Medicare Part A only on April 1, 2017 when is the effective coverage for Part A for me?
The chart above should explain when your coverage begins. To confirm your effective date, you will want to contact Medicare directly.
-Michelle from https://www.senior65.com/
By Patrick McDonald on March 24, 2017
At what age does medicare start for a male and at what age for a woman? I thought it was 62 for a female and 65 for a male.
Medicare starts at 65 for both males and females, unless you have certain disabilities, and then it could start much earlier.
-Amy from https://www.senior65.com/
By Sue on March 24, 2017
I will turn 65 in feb 2018. I have insurance thru by job. What if I loose my job before that. When can I get Medicare. What is Medicare A, B and medigap
If you were to lose your job before Medicare kicks in, you could either join COBRA or enroll in an on or off exchange plan. We can help with the latter.
You will start Medicare the first day of your birth month, unless your birthday is the first of the month. In that case, you will begin the first of the prior month.
A lot of people wonder what is Medicare? It's actually pretty simple, Medicare Part A is your hospital coverage, and Part B is your day to day care (doctors, out-patient, etc.). And, Medigap fills in the gaps of Original Medicare. It can cover your copays, coinsurance, and deductibles. If you need help enrolling in a Medigap plan, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/
By Linda Doyle on March 13, 2017
My husband and I have not applied for Part B as we have coverage through his employer. We now want to apply for Part B. The last day of coverage from his employer will be March 31, 2017 and we would like to have Part B become effective April 1, 2017. If we submit the forms prior to April 1 will we pay premiums for March or will they begin in April?
You will want to apply for Part B coverage ASAP, and Medicare will give your exact Part B effective date (which is always the first of the month). Once you get your Part B effective date, you can apply for a Medigap, Medicare Advantage, and/or Part D drug plan. If you need help enrolling in one of the Medicare health plans call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/
By Jason on March 10, 2017
If social security restarted my part b after it was cancelled, is there ever a time when part b can start in the middle of the month
As far as we know, Medicare Part B always starts on the 1st of the month. If you need help joining a Medicare Supplement, Medicare Advantage, and/or Part D call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/
By Stanley Nuckles on February 28, 2017
Everything I'm reading here says I should have signed up for Medicare Part A when I turned 65. I'm still working and have insurance coverage thru my employer. What's the benefit of signing up for Part A and should I signup now or wait until I retire?
Most people are automatically enrolled, and most employer's plans want you to be enrolled in Part A because it lowers their out of pocket spending, and it doesn't cost you anything to be enrolled. You should contact Medicare to see if you should enroll in Part A now.
-Amy from https://www.senior65.com/
By Jeanne on February 12, 2017
I enrolled in an HSA on Dec 1, 2016. I turn 65 on Dec 22, 2017. Will the automatic Medicare enrollment interfere with the taxing of my HSA contributions in 2016 or 2017.
While you are able to keep HSA contributions to help pay for medical expenses after you enroll in Medicare, you will need to contact your tax expert for specific tax questions.
-Amy from https://www.senior65.com/
By Lynn on January 14, 2017
My employment ended Jan 3, 2017; my insurance will end Jan 31, 2017. Can I enroll in part B coverage effective Feb 1, 2017?
You might still be able to, but you'll want to contact Medicare directly to confirm. If you need help enrolling in a Medicare Advantage or Medigap plan call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/
By Bill on December 20, 2016
My birthdate is Feb 1, 2017 and I will be 65. I have called and gotten 2 different answers regarding when my medicare benefits will begin? Is it Jan 1, 2017 or Feb 1, 2017?
Your Medicare effective date should be Jan 1, 2017, unless you were not automatically enrolled or didn't enroll yourself. If so, you may have a later date. Reach out to our Senior65 licensed independent insurance agents if you need any help enrolling in a Medicare Health Plan.
-Chris from https://www.senior65.com/
By Terry on November 01, 2016
My wife turns 65 on July 19th of 2017. Is she able to sign up for medicare advantage plans 90 days prior or is there a different date to sign up?
She absolutely can apply up to 90 days before her Part B effective date (which should be July 1). If you need help finding a Medicare Advantage plan for her call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/
By RAJ BUDUGUNTAE on October 25, 2016
if my birthdate is 04/16/1952 can i qualify and enroll for medicare on 04/01/2017
Yes, April 1st would be the first day you could start Medicare, and will be the day you will start if you are automatically enrolled.
-Chris from https://www.senior65.com/
By Mary Elizabeth Jordan on September 05, 2016
My DOB 03/29/1951. I have Part A already. I am still working so i did not get Part B yet. I want to start receiving my Part B. I will be 66 in March. What is my timeline for signing up for Part B and when would i start receiving my SS check ? Thanks and have a blessed day.
Since you have creditable coverage through work, you'll usually apply once you retire. At that time, you'll also be able to enroll in a Medicare Supplement plan, without having to answer medical questions.
Enrolling in Part B does not trigger your Social Security benefits -you will need to contact SS directly to determine when is the best time for you to enroll.
When you're ready to sign up for Part B, and Medigap or Medicare Advantage, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from https://www.senior65.com/
By Lynn schmidt on March 11, 2016
I have deferred enrollment for Medicare coverage due to I have coverage Thru work for both myself and my husband. I plan to have him enroll at the same time he collects SSI,and Medigap .which would be Dec2016 when he turns 66,I also at this time want to enroll in medigap when I turn 65 .my birthday is September 11 2016. We have Cigna HDHP with HsA.Do I enroll first withmedicare B for husband ?How long after do I enroll him in Medigap Plan F?i don't want a lapse in coverage.
Your husband will apply for Medicare a few months before he wants his enrollment date; once he gets this his Medicare ID, he will apply for Medigap for coordinating effective dates -most likely December. Please call us at 800-930-7956, and our licensed independent insurance agents can help make this seamless.
-Amy from https://www.senior65.com/
By Henry on March 03, 2016
I'm 68 already have Medicare Part A, but declined Part B because I have coverage through the VA. I was diagnosed with prostate cancer last month and would like to go to a non-VA doctor. Can I do this? Do I have to sign up for Part B? And, when will my coverage begin.
You will want to sign up for Part B to see a non-VA doctor, and have some coverage. You will need to sign up during the general election period (Jan 1 -Mar 31), and your coverage will begin July 1st. Before your Part B coverage starts you should get a Medigap quote and apply. This way you can cover your out of pocket expenses. If you need any help call us at 800-930-7956.
-Chris from https://www.senior65.com/


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Natural gas expansion project starts in April
Eversource Energy plans to break ground in mid-April as they bring natural gas lines up from Darien into the southern part of town as Phase One of their project to expand gas service in New Canaan.
The company secured New Canaan Public Schools, Waveny LifeCare Network and New Canaan YMCA as anchor customers, and will be installing gas lines in the residential area north of Farm Road between Old Stamford Road / Rt. 106 and Main Street. The installation area of Phase One will go as far north as Oak Street and Lakeview Avenue as the lines travel over to service East School on Little Brook Road.
[See street map below.]
The other schools that are part of Phase One are near one another — the high school, South School and Saxe Middle School. West School may or may not become part of a future phase, depending upon demand from other customers in that part of town, according to Eversource Account Supervisor John Ferrelli. Eversource told New Canaan Public Schools that fuel cost savings could exceed $200,000 by switching from oil to gas at South, Saxe, NCHS and East schools, according to Superintendent Dr. Bryan Luizzi.
The project about to get under way calls for bringing a "trunk" line up Old Stamford Road / Rt. 106, then along Farm Road for access to Waveny LifeCare and three schools. The work will then progress to South Avenue, where the line will go south to the YMCA and north to Oak Street, where the line will head east to East School.
As the installation of the trunk line progresses, smaller mainlines will be installed down the residential streets between Farm Road and Harrison Avenue and between Old Stamford Road and Main Street. Eversource Energy has already started to notify residents in the area of the opportunity to bring the natural gas fuel to their homes. The company has identified about 540 residences as prospects for converting to gas in the Phase One area, according to Ferrelli.
Eversource plans to lay nine miles of gas line in this phase.
Eversource will conduct an open house for the public to learn about the project and opportunity for their homes. The event is tonight, Thursday, March 29, from 6:30 to 9 p.m. at Saxe Middle School. Among the questions to be answered are potential cost savings, costs to convert, the role of local contractors, the range of uses for gas, and the safety measures that are regulated by local, state and federal authorities.
The project is expected to be completed before the ground freezes toward the end of 2018.
Road disruptions
Local roads and traffic will be disrupted to varying degrees depending on what is along the side of each road, Ferrelli said. Eversource will try to dig and bury the lines along side the road, but when there are trees or a series of residential driveways or other obstructions, the company will dig up the road and place the lines there.
"We will be as least disruptive as we can be," Ferrelli said.
[See complete list of streets affected by natural gas expansion project.]
The construction project may cause one lane of traffic in some areas and detours in other areas, Ferrelli said. Eversource will plan closely with the Town's Department of Public Works and Public Schools. For example, they will work to connect the lines to the schools while school is out for the summer.
Under the Mallozzi administration, the Town negotiated with Eversource during 2017 so that the energy company would be responsible for restoring local roads that had been repaved in the recent past, and the Town would be responsible for repaving roads that had not been worked on by the Town in many years.
Earlier in 2017, then-Town Councilman Kevin Moynihan had contacted Eversource about the possibility of restarting talks with the Town to bring gas service here. Moynihan also suggested to New Canaan Public Schools that they consider converting to natural gas instead of incurring costs related to installing propane tanks. At the same time, developer Arnold Karp had talked to Eversource to see if gas could be made available for the Merritt Village development on Park Street and the YMCA.
A primary motivator is the anticipated lower cost of natural gas compared to fuel oil.
Eversource would not spell out details of a possible Phase Two of the project when they met with the Advertiser on March 23, but Ferrelli said further expansion in New Canaan will be determined by customer demand. When the memorandum of understanding was completed with the Town last July, there was talk about eventually bringing gas to the downtown area for businesses to use.
Eversource's gas expansion program is part of the State of Connecticut's Comprehensive Energy Strategy, a 10-year plan to expand natural gas in the state.
New Canaan has had 14 residences in the southwest corner of town, just north of Hope Street in Stamford, using natural gas since the early 1990s, according to Eversource spokesman Mitch Gross.
The company's current program to expand natural gas into New Canaan "is by far our largest expansion effort in Fairfield County," Gross told the Advertiser, "and one of the largest in the state, since our natural gas expansion program got under way in 2013."

subset: commoncrawl


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Authentic use of local materials make for a truly charming boutique hotel, with the added ethical bonus of supporting regional craftsmanship
The ambiance - charming and elegant
The location - it's a short walk to everywhere in Pondy, including the beachfront promenade and market
The super-fresh seafood
In the morning, the sun shines through stained glass to create extravagant patterns on the whitewashed walls
The climate in southern India shows only slight seasonal variations unlike northern India. Temperatures and humidity remain relatively high all year round in Tamil Nadu, but the best time to usually visit is from November until March. Please note that rainfall is common at any time of the year but the monsoon season has only marginally more precipitation than at any other time.
Try the amazing seafood Keralan cuisine.
Try the amazing seafood Keralan cuisine.
Maison Perumal is a delightful colonial era house offering wonderful charm and excellent service. Once a registry office, the Maison Perumal is now a 10 bedroom boutique hotel. An exquisite blend of Tamil and French architecture.
Maison Perumal is a superb fusion of French and Tamil art, design and atmosphere, offering guests a wonderful bolthole from which to explore Pondicherry's seafront promenade and leafy boulevards.
It is located in the Tamil quarter, with easy access to most parts of the town. It is built around two courtyards so doesn't feel to cluttered. Verandahs and sit out areas speak of the Tamil heritage while the arched windows and stylized colonnades reflect their French colonial ancestry.
There are just ten rooms at Maison Perumal, all slightly different but all beautifully restored. The restoration has paid special attention to period fixtures and fittings. The attention to detail is really impressive. The materials are typically local, with cool Cuduppah stone underfoot and teak furniture throughout.
Dining is in the main courtyard, or outside in the gardens and it is worth having a chat to the chef about what he thinks is in season. His Keralan seafood dishes are superb.
Pondicherry is a delightful town to walk around with several temples to explore and a fantastic combination of French and Tamil architecture. Other activities nearby include heritage walks, bicycle tours and visits to Auroville, Sri Aurobindo Ashram and other historic temples.
Maison Perumal offers 10 air-conditioned deluxe rooms which are simple in design yet comfortable. All have been lovingly restored by local craftsmen to uphold period features and fixtures using simple local fabrics and colorful natural dyes that the region is famed for. Original bedsteads and scattered antiques are characterful touches.
Children are welcome to come and stay at Maison Perumal. However, there are no specific facilities available for them at the hotel.
Facilities at the hotel include a restaurant serving delicious grilled seafood platters for dinner and a bar with a wide selection of alcoholic and non-alcoholic beverages.
You may explore the multicultural town on foot or on bicycle independently. Scott Dunn can also arrange customized activities such as heritage walks taking in the historic temples such as the Greek Aayi Mandapam; and tours and visits to archaeological ruins at Arikamedu, the old port of Poompuhar, and to Auroville, Sri Aurobindo Ashram.
The hotel is possibly the most interesting in Pondicherry offering good rooms and food. Ideal for a few days during a tour of Tamil Nadu.
Walk around the French Quarter with your guide and learn about this unique part of Pondicherry and how the French legacy is still preserved.
Maison Perumal is in the Tamil quarter of Pondicherry/ Puducherry in the state of Tamil Nadu in southeast India.
Browse our website for luxury travel ideas and vacation inspiration
Call us and speak to a destination specialist
We'll handcraft a quote around what you want
Pondicherry, Tamil Nadu, India
Dindigul, Tamil Nadu, India
Tanjore, Tamil Nadu, India
Madurai, Tamil Nadu, India
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Mahaballipurum, Tamil Nadu, India


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Bald Eagles
One reply on "Bald Eagles"
Curiosity got me and I came to check out your blog. When I saw Alaska photos, I had to know… did you see Bald Eagles? Yep. This is a great picture- we've never been able to get so close but see them a lot in the winter.


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« facebook apps | pentadactyl »
August 5, 2010 1:01 p.m.
Transferring a domain from one registrar to another is something that can happen for multiple reasons. Maybe you found another registrar that is cheaper, you're changing hosting companies and they would like to use their registrar, the management interface is easier to use or less confusing, or maybe another registrar has features and products that you need.
For years I've used Tucows/OpenSRS professionaly for domain registration. The reseller interface is great and it has all the features that I need without jumping through hoops or wondering if I'm purchasing something that I really don't intend to use.
On a personal level, I've been using GoDaddy. Although, I really do not like the interface that GoDaddy provides. People who don't know what they're doing could end up buying all sorts of things they don't need. Since I am confident in understanding what I'm purchasing, I don't worry about this too much. But for the average person, the interface can be a bit overwhelming and sometimes hard to decifer what you're actually paying for or opting into.
Ok, back to the transfer process. If everyone does their job correctly, a domain transfer can happen in 7 days or less. Although, if you don't know what you're doing, there are several variables that could provide a bad experience.
The standard process of transfer works a bit like this. First, I as the recipient of domain control issues a trasfer request from my registrar for the domain. At this point, an email is sent to the Administrative Contact of the domain to accept the transfer to the new registrar. If the email address for the domain Administrative Contact is not valid, then the transfer will fail after several days because it was never approved. If the Administrative Contact for the domain ignores the transfer request it will also fail after several days.
If the Adminstrative Contact accepts that transfer (they will probably need to have the authorization-code, which can be obtained from their current registrar), then the transfer request goes to the losing registrar. If the losing registrar ignores or denies the transfer then it will fail. If they do accept, depending the on the registrars involved, I may still take several days for everything to complete.
The one thing that most people forget or don't understand about transferring domains is authoritative DNS servers. Every domain has authoritatve DNS servers, which is somewhat like the post office. They are servers that tell everyone on the internet where your web site and your email needs be be delivered. If those are not valid or not configured correctly, then your website and your email may never been seen.
During the transfer process you may have the ability to leave the DNS servers as they are or change to new servers. Changing to new servers can work if your new registrar or web site host provides those options. Most of the time this will be the case. Although, if the new provider is not aware of your DNS needs, this could be a problem. So, making sure that DNS has been considered and taken into account should come before the transfer request begins.
If all goes well, the transfer process should be easy and painless.
dns domains internet registrar


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AngelCarmella video. More videos (6)Free chat with AngelCarmella
I seem familiar, don't I? Marilyn sure taught me something : Imperfection is beauty, madness is genius and it's better to be absolutely ridiculous than absolutely boring. I dream about romance, a gentleman, roses, chocolate and a deep passion, you feel me?


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By Christopher Stark
Last month, Gartner published a press release highlighting its top predictions for IT organizations and users for 2016 and beyond. In the release, Gartner includes the following finding as its 10th prediction:
"Through 2020, 95 percent of cloud security failures will be the customer's fault."
I agree, but I think there is a component missing from this finding. I believe that cloud security failures caused by customers will be closer to 98 or 99 percent, but the ultimate responsibility and blame is on the cloud service provider that doesn't ensure security for their customers and teach them best practices. I say this because from my experience, I do not think customers aren't careful, don't understand security or aren't trying to protect themselves. The customer just needs to reinforce best practice fundamentals.
My three top issues affecting cloud security moving into 2016:
1. Forgetting One of the Three Levels of Security
In my experience, the majority of security breaches are caused by human error, due to an issue with hardware, software or overall security practices. These encompass what I call the three essential levels of security: physical, logical and methodological. Strong physical security includes armed guards, biometrics, pre-approved clearance and restricted access. Optimized logical security incorporates firewalls, virus protection, intruder prevention, encryption and user-defined permissions. And "methodological" security considers the human factor and confirms every manual process is approved by multiple cleared users. Errors or hacks can occur at any level, but it is the third level, or methodological level, that can cause the most issues. If the cloud provider doesn't address best practices, such as proper password selection, with its customers, there is a huge risk. Security is only as strong as the weakest link so implementing safeguarding programs, maintaining continuous testing, and providing ongoing security education is key.
2. Hacking Made Easy = Weak Usernames and Passwords
The most common security breaches occur when customers choose simple username and password combinations, share login information with other users, or use the same login information across multiple platforms. These breaches can easily be avoided if the cloud security methodology of stronger login credentials is passed along to the customer and if the cloud service provider equips its customers with proactive or alternative login solutions.
A number of providers are implementing a two-factor authentication (2FA). 2FA components are something that the user knows and something that the user possesses that are inseparable from the user. For example, a strong username and password combination and a unique code sent to the user's cell phone via SMS text or app notification. 2FA removes single access to the program, server or desktop, making it a safer alternative.
3. Managing the Cloud: Who is Responsible?
In the release, Gartner also states that "the characteristics of the parts of the cloud stack under customer control can make cloud computing a highly efficient way for naive users to leverage poor practices, which can easily result in widespread security or compliance failures." This brings up the discussion about the overall management of the cloud, between the customer and cloud service provider, and who is best fit to implement cloud security measures.
Some customers are still afraid to provide their cloud service provider with full management of their systems because they feel they are losing control and are vulnerable. However, with control comes risk. An outside vendor can protect their customers from current and future security breaches by regularly testing, implementing and updating the infrastructure. For a customer to do this themselves internally would take precious hours away from daily operations. Limiting an individual user's access to various programs or folders, based on his or her role within the company, also enhances the security level among systems. These are basic security best practices that cloud service providers can ensure are in place in cloud-based solutions along with various other measures.
Moving into 2016 and Beyond
Innovation seems to have grown exponentially in the last decade; technology has progressed so much that security is still trying to keep up and will continue to be the primary focus for IT organizations and users alike. Customers are getting smarter; they know what they want and can ask the right questions to achieve their desired results. Just remember, there is not one silver bullet to solve security issues, but you can better protect yourself and your system from hacks and breaches if you are educated about best practices in security protection. Gartner Press Release, Gartner Reveals Top Predictions for IT Organizations and Users for 2016 and Beyond, October 6, 2015, http://www.gartner.com/newsroom/id/3143718


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Press Releases
PRESS RELEASE--McCain Primary Challenger Praises the Republican Rejection of the Two-State Solution
PRESS RELEASE--McCain Primary Challenger Praises the Republican Rejection of the Two-State Solution
Scottsdale, AZ – Today, the Republican Party broke with a decades-old policy by rejecting the "Two-State Solution" in the conflict between Israel and Palestine. The Two-State Solution envisions the establishment of Palestine as an independent state with Israel. Alex Meluskey has praised this decision and believes it to be a further demonstration of the Republicans' commitment to a strong relationship between the United States and Israel.
I have stood with the Jewish State my whole life, and I am very grateful to see the Republican Party make a real stand with Israel," said U.S. Senate candidate Alex Meluskey. "In this most volatile region in the world it is so important that our most natural ally knows they have the support and room to not feel forced upon, but to communicate in their own terms. True allies have each other's back, without the worry of pressure."
The Arizona primary will be held on August 30, 2016.
Small businessman, radio host and FAIRtax champion Alex Meluskey is running a grassroots campaign to take on sitting U.S. Senator John McCain in the Arizona Republican Primary in the same vein as now-Congressman Dave Brat's historic 2014 takedown of House Majority Leader Eric Cantor. Mr. Meluskey is taking on the establishment in Washington, D.C. and an entrenched 5-term Senator at a time when America needs new ideas to solve our nation's challenges.
For more information or to arrange an interview with Alex Meluskey, please contact Andrew Shirley at firstname.lastname@example.com or (703) 739-5920.