Part A
Avoid missed timing
Avoid Medicare late enrollment penalties
Learn how Medicare late-enrollment penalties can work and what dates or coverage records to confirm before you delay enrollment.
Before you delay enrollment
Start with the coverage and dates you actually had.
Start with your coverage history and key dates. The rules differ for Part A, Part B, and Part D, so do not assume one answer applies to every part of Medicare.
Part B
Review active employer coverage carefully
A Part B Special Enrollment Period may depend on current-employment coverage and exact dates.Part D
Keep creditable-coverage notices
A Part D penalty may apply after a long gap without creditable prescription drug coverage.Personal Medicare guidance
Review your enrollment timing questions
Have your coverage dates and notices ready. Medicare or your plan determines any penalty.
Ask a Medicare question.
No obligation. Please do not include Medicare, Social Security, or medical information.
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FAQ
Frequently asked Medicare questions
Browse all Medicare FAQsHow does the Medicare Part B late-enrollment penalty work?
The Part B premium may increase by 10% for each full 12-month period you could have had Part B but did not enroll, unless a Special Enrollment Period or another exception applies. The penalty is generally charged for as long as you have Part B.
When can the Medicare Part D late-enrollment penalty apply?
The Part D penalty may apply after you go 63 consecutive days or more without Part D or other creditable prescription drug coverage after becoming eligible. Keep your creditable-coverage notices as proof.
Does COBRA prevent Medicare late-enrollment penalties?
COBRA generally does not extend the Part B enrollment period based on current employment. Its prescription coverage may protect against a Part D penalty only if the plan confirms that the drug coverage is creditable.
Medicare disclosure
Skyline Benefit is an independent insurance agency and is not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent 11 organizations which offer 58 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.