Enrolling in Medicare Part B at the right time is crucial to avoid late penalties and ensure uninterrupted healthcare coverage. Whether you’re turning 65, still working, or signing up after delaying coverage, understanding your Medicare Part B enrollment period is essential.
This guide will help you determine when you can enroll in Medicare Part B, the different enrollment periods, and how to apply seamlessly.
When Can I Enroll in Medicare Part B?
You can enroll in Medicare Part B during specific periods:
1. Initial Enrollment Period (IEP) – Around Your 65th Birthday
- Begins 3 months before you turn 65.
- Continues during your birth month.
- Ends 3 months after your 65th birthday.
- Best time to sign up if you’re not covered by an employer’s insurance.
2. Special Enrollment Period (SEP) – If You’re Still Working
- Available if you’re still employed and have coverage through your job.
- You have 8 months to enroll in Part B after leaving employer coverage.
- Avoids late penalties if you qualify.
3. General Enrollment Period (GEP) – If You Missed the Initial Window
- Runs from January 1 – March 31 every year.
- Coverage starts July 1 of the same year.
- Late enrollment penalties may apply.
When Should I Sign Up for Medicare Part B If I Am Still Working?
If you’re still employed at 65 and have credible employer health insurance, you don’t need to enroll immediately. However, once you leave your job or lose coverage, you must sign up within the 8-month Special Enrollment Period to avoid penalties.
How Do I Sign Up for Medicare Part B?
If You Already Have Medicare Part A:
- Enroll in Part B online via the Social Security website.
- Call Social Security at 1-800-772-1213.
- Visit your local Social Security office in person.
If You’re Enrolling in Medicare Part B for the First Time:
- Apply during your Initial Enrollment Period (IEP).
- Fill out Form CMS-40B and submit it to Social Security.
- If applying under a Special Enrollment Period (SEP), submit Form CMS-L564 from your employer.
Can I Get Medicare Part B for Free?
No, Medicare Part B requires a monthly premium. The standard cost in 2024 is $174.70/month, but it can be higher based on income. However, low-income individuals may qualify for assistance programs.
Is It Mandatory to Sign Up for Medicare at Age 65?
- Yes, if you don’t have employer coverage—or you’ll face penalties.
- No, if you’re still working and have credible employer insurance.
Can I Sign Up for Medicare Part B Online?
Yes! You can apply for Medicare Part B online via Social Security or contact MedicareABC for expert help.
Get Expert Medicare Part B Enrollment Assistance
Still unsure about your Medicare Part B enrollment? Avoid penalties and ensure timely coverage by contacting our Medicare specialists today!
📞 Call: 1 (877) 255-0284
🌐 Visit: MedicareABC
📧 Email: info@mymedicareadvisors.com
Take the next step toward securing your Medicare benefits—we’re here to help!
