If you didn’t sign up for Medicare when you were first eligible and you don’t meet specific and limited exceptions, you can ONLY sign up in January through March, with an effective coverage date of July 1. COBRA and VA benefits don’t exempt you from the need for Medicare Part A and B. Need help navigating your Medicare plan? SHIP of Union County at SAGE can help. Call us at 908.273.6999.

This article by Kaiser Health News explains further: