@paulgk123 wrote:
The key word there is "enroll." I believe the SSA counts the 6-month retroactive time from when you enroll, not when your benefits being. This happened to me, but can someone verify it?
As far as eligibility to make HSA contributions, it ends when your Medicare coverage begins. It appears that if you don't apply during your initial eligibility period (your 65th birthday plus or minus 3 months) then coverage is retroactive 6 months from when you enroll. There are some exceptions if you are enrolled in a group health insurance plan with a large employer when you turn 65. You will need to discuss your specific details with a qualified insurance specialist to be sure in your situation.
https://www.medicare.gov/sign-up-change-plans/how-do-i-get-parts-a-b/when-will-my-coverage-start
