There's a window for applying for Medicare, if I apply can I put it on hold?

[chrisjchrisj]

I understand that there's a window of opportunity around my 65th birthday to apply for Medicare.

If I apply and get approved, does it automatically begin, or can I suspend it from beginning, until when I choose to begin it's coverage? Or once approved it becomes my primary insurance?

[somarco]

@chrisjchrisj the "window" is 3 months before your 65th birthday and 3 months after for a total of 7 months.

File and suspend is something that was once used with SS. Why would you want to apply for coverage and then suspend it?

As to when coverage is effective, follow the Medicare guidelines.

If you sign up for Part A (if you have to buy it) and/or Part B in this month: Your coverage starts:

https://www.medicare.gov/sign-up-change-plans/how-do-i-get-parts-a-b/when-will-my-coverage-start

If you have other coverage, Medicare does not automatically become primary.

https://www.medicare.gov/supplements-other-insurance/how-medicare-works-with-other-insurance