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You read it correctly. Enrolling in October will get her a January start date for B. Part A will be backdated to August 1. It is easier for her to do them at the same time online in October. If she enrolls online for Part A only for an August start, then the Part B application will be on paper rather than online.One more thing. Had dental work yesterday and the buzz hasn't completely worn off. If I read this correctly, this guys wife turns 65 in August. If she signs up for A & B in October her coverage would be effective 1/1/17. If not, when does she need to sign up for a 1/1 eff date? When will my Medicare coverage start? If you sign up for Part A (if you have to buy it) and/or Part B in this month: Your coverage starts: The month you turn 65 1 month after you sign up 1 month after you turn 65 2 months after you sign up 2 months after you turn 65 3 months after you sign up 3 months after you turn 65 3 months after you sign up