If you’re 65 or older and didn’t sign up for Medicare Part B during your initial, automatic, or special enrollment periods, you still have a chance. The General Enrollment Period (GEP) is open from January 1 to March 31 each year, allowing eligible individuals to enroll in Part B. This guide will help you understand who qualifies, how to enroll, and what costs you might expect.
Understanding Medicare Part A and Part B
Medicare is a federal health insurance program primarily for people aged 65 and older. It has two main parts:
- Part A (Hospital Insurance): Usually free if you or your spouse paid Medicare taxes while working.
- Part B (Medical Insurance): Covers doctor visits, outpatient care, and preventive services but requires a monthly premium.
If you’re not receiving Social Security benefits, enrollment in Medicare is not automatic. You’ll need to sign up during an enrollment period that suits you.
Who Can Use the General Enrollment Period?
You can enroll in Medicare Part B during the GEP if any of the following apply to you:
You declined Part B when you were automatically enrolled at 65.
You missed signing up for Part B during your Initial Enrollment Period (IEP).
You were not eligible for a Special Enrollment Period (SEP) or missed it.
Your Part B coverage ended due to non-payment or voluntary withdrawal.
You need to pay a premium for Part A and didn’t enroll when first eligible.
Note: If you’re not eligible for free Part A, you can still get Part B without buying Part A.
How to Sign Up for Medicare Part B During GEP
The Centers for Medicare & Medicaid Services (CMS) manages Medicare, but Social Security handles enrollment for Parts A and B. Here’s how to sign up:
Complete Form CMS 40B – This is the official Application for Enrollment in Medicare Part B.
Submit Your Form – You can send the completed form via:
- Fax, mail, or in-person drop-off at your local Social Security office.
- Make an appointment (video, phone, or in-person) by calling 1-800-772-1213 (Monday–Friday, 8:00 a.m. to 7:00 p.m.).
Once enrolled in Part B, you can also sign up for a Medicare prescription drug plan (Part D) through a private insurance company.
When Will My Medicare Part B Coverage Start?
Your Part B coverage begins on the first day of the month following your enrollment.
Example: If you enroll in February, your Part B starts March 1. You will receive a new Medicare card in the mail.
How do I pay for Part B?
- If you receive Social Security benefits, your Part B premium will be automatically deducted.
- If you don’t receive Social Security, Medicare will send you a bill.
Medicare Part B Costs in 2025
- Standard Part B premium: $185 per month
- Higher-income individuals may pay more.
Late Enrollment Penalties for Medicare Part B
If you delay enrolling in Part B, you may have to pay a penalty. Here’s how it works:
Penalty Calculation:
For every 12-month period you were eligible but didn’t enroll, your Part B premium increases by 10%. This penalty lasts as long as you have Medicare.
Exceptions to the Late Enrollment Penalty
You won’t have to pay a penalty if:
You have limited income and qualify for a Medicare Savings Program.
You receive Social Security disability benefits and have turned 65.
Important: You may also face a late enrollment penalty for Part D (prescription drug coverage) if you enroll late.
Where to Get More Information
To avoid late enrollment penalties and learn more about Medicare:
Visit: Medicare.gov for details on enrollment and coverage.
Read: The official Medicare publication on the Social Security website.
Spread the Word! Share this information with family and friends who may need it. You can also post about it on social media to help others stay informed!
If you missed your Initial or Special Enrollment Period, the General Enrollment Period (January 1 – March 31) is your opportunity to sign up for Medicare Part B. Coverage begins the month after enrollment, and premiums are deducted from Social Security benefits or billed directly. Be aware of late enrollment penalties, which can increase your monthly costs. To avoid unnecessary expenses, sign up on time and explore financial assistance programs if needed. Stay informed, and make the most of your Medicare benefits!
