Medicare Part B Initial Enrollment Information

Your Initial Enrollment Period begins 3 months before your 65th birthday and ends 3 months after your 65th birthday. If you or your spouse are still working and you receive health insurance from either you or your spouse’s current employer, the insurance is primary if there are 20 or more employees at the company where you or your spouse work.

Should I enroll in Part B at age 65?

  • Some people do not take Part B during their Initial Enrollment Period (IEP) because either they or their spouse are still working and they have primary insurance from a current employer. Talking to your employer is important when you become eligible for Medicare to see how your employer insurance will work with Medicare.

  • If you are already collecting Social Security you will be automatically enrolled in both Medicare Part A and Part B. If you are thinking about turning down Part B, you should call the Social Security Administration at 800-772-1213 and ask if you can do so without any penalties. When you call Social Security, it is important to write down whom you spoke to, when you spoke to them and what they said.

Related Blog Post:

Medicare Part A & Part B - Do I Have To Sign Up Or Does That Happen Automatically?

Note: Keep in mind if you don’t enroll in Medicare Parts A, B or D before the time limit of when you are first eligible for each Part, you may have to pay late penalties depending on your individual situation. If you are not sure of when you have to enroll by to avoid penalties, call the Social Security office to find out in advance!

Note: Medicare Insurance information can be overwhelming and confusing to many people. As an independent licensed agent I can explain things to you in simple terms so you feel comfortable making a decision. Then I can help you choose and enroll in a plan that you feel fits your needs.

By the way, it doesn’t cost you any more if you enroll in a Medicare Insurance plan through me as an independent agent versus directly with an insurance company either over the phone or via the Internet, since I get paid by the insurance companies for your enrollment. Plus you will have personalized service by a local agent. If you would like my assistance, please call me at 941-404-5334.

By calling this number, I understand I will be directed to a licensed insurance sales agent.

Please take a few seconds to read what my actual clients have to say about my personalized service in their own words by clicking this link. Insurance Agents Reviews