I will be 65 in July 2014. I will be retiring on November 30, 2014. I now have an employer sponsored HSA health plan. I want to continue to contribute to my HSA until November 30, 2014. Specifically, when should I apply for Medicare to be sure that I am covered on December 1, 2014? Example if I apply on November 1, 2014, will I then be covered on Dec. 2014? Please be specific.
Hope you can help.