Medicare will start on the first day of your birth month unless you were born on the first day. In your case it will start on May 1. If you were born on May 1 it would start on April 1. It never sratts on any other day of the month.You have a certain time period to sign up. If you are on social security your Medicare card will automatically be sent to you around 3 months prior to your birth month. If you are not on social security most likely you will have to sign up by contacting the social security office. You can sign up during a 7 month window which is 3 months prior to your birth month, your birth month, and 3 months after your birth month. If you sign up during or after your birth month Medicare will be effective the first day of the following month. For example, if you turn 65 on May 22 this year and you haven’t contacted social security or received your card you need to do this now and Medicare will be effective June first. If you wait until sometime in June to sign up it will be effective July 1. If you do not sign up by August 31 your next window will be January 1 through March 1 for a July 1 effective date, plus you will have a Part B penalty to pay monthly forever.

Gaps in Medicare Part A 


Medicare Part A Premium

Most people don’t pay a Part A premium because they paid Medicare taxes while working. If you don’t get premium-free Part A, you pay up to $426 each month.


Hospital Stay


In 2015, you pay

  • $1,260 deductible per benefit period (Was $1,216)

  • $0 for the first 60 days of each benefit period

  • $315 per day for days 61–90 of each benefit period (was $304)

  • $630 per “lifetime reserve day” after day 90 of each benefit period(up to a maximum of 60 days over your lifetime) - Was $608.


Skilled Nursing Facility Stay


In 2015, you pay

  • $0 for the first 20 days of each benefit period

  • $157.50 per day for days 21–100 of each benefit period (Was $152)

  • All costs for each day after day 100 of the benefit period

​​Contact Us


Other Resources:

Medicare Supplement Chart

Medicare Part D Plans

PA State Medigap Plans

Other State Medigap Plans

© 2016 by  Medicare Supplement N