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What is Part B late enrollment penalty?


The Part B penalty increases your monthly Part B premium by 10% for each full 12-month period you were eligible for Part B benefits but did not receive them because you never enrolled.  There are two main ways to avoid the Part B penalty and enroll in the right medical coverage at the right time.  You can delay enrolling in Part B, you must have group health coverage through your own or a spouse’s current employer, and have had that coverage – or have had Part B – during the first month you qualified for Medicare. You then must enroll in Part B coverage within the eight months following the last day of the month in which the sooner of these two things happens:

  1. Your or your spouse’s current employment status ends (even if coverage under the group health plan continues).
  2. Your or your spouse’s current employment-related group health plan coverage ends (even if you continue to be employed).

Learn More: Can I get financial assistance to help pay for Medicare?

People Also Read: What are Medicare Enrollment Periods?

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Senior Healthcare Solutions, you truly stand out from most other insurance agents. Thank you so much for all of your help and I know that you will have nothing but success with how you conduct business.

Joan B.

Montgomery, AL

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