If I don’t sign up for Part B when first eligible,
How do I enroll?
How do I appeal the penalty?
Late Enrollment Penalty
In most cases, if you don’t sign up for Part B when you’re first eligible, (FAQ Calculate the dates) for Medicare, during the 7-month Initial Enrollment Period to sign up for Part A and/or Part B. you’ll have to pay a late enrollment penalty. You’ll have to pay this penalty for as long as you have Part B.
Your monthly premium for Part B may go up 10% for each full 12-month period that you could have had Part B, but didn’t sign up for it.
If you didn’t sign up for Part B Doctor Visits on time, then you have to wait for the General Enrollment Period from January 1 to March 31 to enroll in Part B. Coverage will start July 1 of that year.
Please note, if you already have Part A, you can’t enroll online, you have to fill out
#application for Part B OMB No. 0938-1230 !
You can mail it in, but be sure to follow up that Social Security has the form. If not, go to your local Social Security Office and enroll. Make sure you get a receipt!
Please note also, that it’s been reported that your Social Security number is required, even though there is NO PLACE on the form for it!
No Penalty Reasons?
Usually, you don’t pay a late enrollment penalty if you meet certain conditions that allow you to sign up for Part B during a Special Enrollment Period, namely loss of employer coverage.
If you have limited income and resources, your state may help you pay for Part A, and/or Part B.
You may also qualify for Extra Help LIS to pay for your Medicare prescription drug coverage.
[George Zeppenfeldt-Cestero] should have signed up for Medicare Part B three years earlier when he turned 65. By delaying, he had missed the best window — the so-called Initial Enrollment Period — to apply for Part B, which covers much of what we consider health care: doctor visits, tests, injectable drugs (including chemotherapy), ambulances, physical therapy and other non-hospital services.
As a result, he has to pay permanently higher premiums, and he had to endure an unsettlingly long period — from December to July — before the coverage actually kicked in. (Span, 10/26) New York Times:
Medicare #Enrolling in Parts A & B # 11036
Our Webpage on Enrolling in Medicare A & B
- Part A Hospital rules for zero premium
- Part B – Doctors – How to sign up – Benefits
- How to apply for Part B during your special enrollment period # 10012
- Fact Sheet
Deciding Whether to Enroll in Medicare Part A and Part B When You Turn 65 15 pages
- Here's the CMS form to fill out L 564 E to get a special enrollment period, when you retire. VIDEO
- Here's the actual form to get Part B, if you already have Part A OMB No. 0938-1230 !
- If you need both, see our main webpage on Medicare Enrollment.
You cannot buy additional coverage through #Covered California
if you have premium-free Medicare Part A Hospital
Medicare complies with Health Care Reform, so you do NOT need to get a an Individual policy or a subsidized one from Covered CA. It fact, it's illegal for anyone to sell you a policy! Kaiser Health News * Covered CA Medicare Fact Sheet * Medicare.Gov Medicare & Market Place #11694 * CMS.Gov FAQ Medicare & Marketplace * HealthCare.Gov when - how to change from Covered CA to Medicare * Social Security §1882 * Health Care.Gov
NOTE: This information also applies to people younger than 65 whose benefits begin the first month they receive disability benefits because they have Amyotrophic Lateral Sclerosis (ALS), better known as Lou Gehrig’s Disease, and to people younger than 65 who have Medicare because of a disability and are receiving SSDI Social Security Disability Insurance.
There are a lot of ands, if or buts in this complex issue. Please refer to the source material below. There are some exceptions, but they are very complex. Don't even think of getting a 1/2 correct answer over the phone. If you have to pay for Part A Hospital, then are options, like subsided Covered CA Plans. Email us [email protected] or ask a question below.
Video about Covered CA – if no Premium Free Part A – jump to 2:30 Medicare & the Marketplace (Covered CA
Links & Resources
(i) It is unlawful for a person to sell or issue to an individual entitled [no premium] to benefits under part A or enrolled under part B of this title (including an individual electing a Medicare+Choice plan [MAPD] under section 1851)—
(I) a health insurance policy with knowledge that the policy duplicates health benefits to which the individual is otherwise entitled under this title or title XIX,
(II) in the case of an individual not electing a Medicare+Choice plan, [aka MAPD Medicare Advantage] a medicare supplemental policy with knowledge that the individual is entitled to benefits under another medicare supplemental policy or in the case of an individual electing a Medicare+Choice plan, a medicare supplemental policy with knowledge that the policy duplicates health benefits to which the individual is otherwise entitled under the Medicare+Choice plan or under another medicare supplemental policy, or
(III) a health insurance policy (other than a medicare supplemental policy) with knowledge that the policy duplicates health benefits to which the individual is otherwise entitled, other than benefits to which the individual is entitled under a requirement of State or Federal law.
(ii) Whoever violates clause (i) shall be fined under title 18, United States Code, or imprisoned not more than 5 years, or both, and, in addition to or in lieu of such a criminal penalty, is subject to a civil money penalty of not to exceed $25,000 (or $15,000 in the case of a person other than the issuer of the policy) for each such prohibited act. Sec. 1882. [42 U.S.C. 1395ss]
Our webpages that touch on this Issue:
Eligibility & Premium (Penalty_ #Calculator
Part D Rx Late Enrollment Penalty Calculator
- VIDEO How Part D Late Enrollment Penalty is calculated
Visit Our Web Pages on:
- Late Part D Rx Penalties?
- Premium Surcharge if you have High Income?
- Part B Late Enrollment
- Enroll ONLINE for Medicare Part A Hospital & B Doctor Visits
Related Pages in Part B – Doctors – How to sign up Section