Your Part A coverage starts 6 months back from when you sign up or when you apply for benefits from Social Security (or the Railroad Retirement Board). You can sign up for Part A any time after you turn 65. The month you turn 65, or during the 3 months after Part B (and Premium-Part A): Coverage starts based on the month you sign up: (If your birthday is on the first of the month, coverage starts the month before you turn 65.) If you qualify for Premium-free Part A: Your Part A coverage starts the month you turn 65. Coverage always starts on the first of the month. The date your coverage starts depends on which month you sign up during your Initial Enrollment Period. You may also have to pay a penalty if you have to pay a Part A premium, also called “Premium-Part A.” Learn more about how to avoid late enrollment penalties. If you miss your 7-month Initial Enrollment Period, you may have to wait to sign up and pay a monthly late enrollment penalty for as long as you have Part B coverage.
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