If you're new to Medicare or missed signing up for Medicare Part B during your initial enrollment, don't worry—getting Part B added is a common question. Here's a simple guide to help you understand how to enroll and ensure you're covered.
What is Medicare Part B?
Medicare Part B covers outpatient services, doctor visits, preventive care, durable medical equipment, and some medications. If you're eligible for Medicare, enrolling in Part B is essential for receiving these services.
How to Enroll in Medicare Part B
There are several ways to get Part B added, depending on your situation:
Initial Enrollment Period (IEP): If you're turning 65 soon, you can enroll in Part B during your Initial Enrollment Period, which begins three months before your 65th birthday and lasts for seven months (three months before, the month of, and three months after your birthday). You can sign up for Part B through the Social Security website or by visiting your local Social Security office.
General Enrollment Period (GEP): If you missed your IEP, you can sign up during the General Enrollment Period, which runs from January 1 to March 31 each year. Coverage will start on July 1, but be aware that you may face a late enrollment penalty.
Special Enrollment Period (SEP): If you or your spouse are still working and have employer coverage when you first become eligible for Medicare, you may qualify for a Special Enrollment Period. This allows you to sign up for Part B without a penalty after your employment or group health coverage ends. You’ll have an 8-month window to enroll after your coverage ends.
Steps to Add Medicare Part B
Visit the Social Security Website: The fastest way to enroll in Medicare Part B is online. Visit the Social Security website and follow the steps to enroll.
Call or Visit the Social Security Office: You can also call 1-800-772-1213 or visit your local Social Security office to enroll.
Fill Out Form CMS-40B: If you already have Part A and need to add Part B, you will need to complete Form CMS-40B (Application for Enrollment in Medicare Part B). You can download the form from the Medicare website or get one from your local Social Security office.
Late Enrollment Penalty
If you don’t sign up for Medicare Part B when you're first eligible, you might have to pay a late enrollment penalty. This penalty is usually 10% of the standard premium for each full 12-month period you were eligible but didn’t enroll.
Key Takeaways:
Sign up during your Initial Enrollment Period to avoid penalties.
If you missed that window, you can sign up during the General Enrollment Period (January 1 - March 31).
Qualifying for a Special Enrollment Period may allow you to avoid late penalties if you're still covered by employer insurance.
Need Help with Medicare Part B Enrollment?
If you're unsure about your options or need assistance with your Medicare enrollment, TWhite Insurance is here to help. Our licensed agents specialize in Medicare plans and can guide you through every step to ensure you get the coverage you need.
Contact us today for a free consultation!
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