I live in California and turned 65 in November. I am not working. I applied online for SS and Medicare in October. My application has been at step 2 of 3 for the past month. I have gotten no communication from anyone about any additional info needed. There is no way I can meet the Medicare open enrollment period without having the MBI # effective date by tomorrow. To make matters worse, my husband is retiring last day of December which cancels my current medical insurance with his company. There is nothing I can do while my paperwork is in limbo. I have called all the numbers i can find listed but no one can speed up the process. What will happen when I miss the deadline?