If you sign up
Medicare coverage will start
Before the month of your 65th birthday
The month you turn 65
The month you turn 65
The next month
1 month after you turn 65
The next month
2–3 months after you turn 65
The next month
During the General Enrollment Period, between January 1–March 31 each year*
The next month
The next month

* You might pay a monthly late enrollment penalty.