Real answers for your healthcare questions
What happens if I enroll in Medicare late?
Answer
Enrolling late can lead to gaps in coverage and, in some cases, permanent or long lasting late enrollment penalties. The consequences depend on which part of Medicare you delayed and whether you had other creditable or qualifying coverage.
What to Know
Part B can carry a late enrollment penalty if you delay without qualifying employer coverage. Part D can also have a penalty if you go too long without Medicare drug coverage or other creditable prescription coverage. You may also have to wait for a permitted enrollment period before coverage begins.
What to Do Next
If you are past your first enrollment window, do not assume you have missed your chance. Check whether you qualify for a Special Enrollment Period and gather proof of any employer or drug coverage you had while you delayed Medicare.
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