If you have Part A of Medicare and did not sign up for Part B when you were first eligible, you may still enroll in Part B. However, these would depend on your exact situation since there are different enrollment periods that you would have to familiarize yourself with. On this note, let’s discuss how to enroll for Medicare Part B and what it entails.
When can you sign up for Medicare Part B if you already have Part A?
The time when you can enroll in Medicare Part B depends on whether you qualify for a Special Enrollment Period (SEP) or need to sign up during the General Enrollment Period (GEP).
- General Enrollment Period (GEP): If you missed your Initial Enrollment Period (IEP), you can sign up for Part B during the GEP, which runs from January 1 to March 31 each year. Your coverage will begin the month after you enroll. However, you may have to pay a late enrollment penalty.
- Special Enrollment Period (SEP): If you have coverage through an employer or a spouse’s employer, you may qualify for a SEP. This allows you to enroll in Part B without a penalty at any time while you have employer coverage or within 8 months after it ends.
How do you apply for Medicare Part B?
If you are eligible to enroll in Medicare Part B, you have a few options for how to apply:
- Online Application
- If you qualify for a SEP, you can apply online through the Social Security website.
- Visit www.ssa.gov/medicare to start your application.
- By Mail or Fax
- Complete the Application for Enrollment in Medicare Part B (CMS-40B) form.
- If you are applying during a SEP, also complete the Request for Employment Information (CMS-L564) form.
- Send the completed forms and required documents to your local Social Security office.
- In Person
- Visit your local Social Security office to apply in person.
- You can find the nearest office at www.ssa.gov/locator.
What documents do you need to sign up for Medicare Part B?
When you sign up for medicare part B, you will need to submit documents to proof that you are eligible especially if you are enrolling through SEP. The documents that may be required include:
- Completed CMS-40B form for Medicare Part B enrollment
- Completed CMS-L564 form (if enrolling through an SEP)
- Proof of employment or coverage under a group health plan, including:
- W-2 forms showing pre-tax medical contributions
- Pay stubs showing health insurance premium deductions
- Health insurance cards with effective policy dates
- Explanation of benefits statements from your insurer
What happens if you delay signing up for Medicare Part B?
If you did not enroll in Medicare Part B when you first become eligible and did not qualify for SEP, you may have to pay a late enrollment penalty.
- The penalty is 10% for every 12-month period you were eligible but did not enroll.
- This penalty is added to your monthly Part B premium for life.
Who can you contact for help with Medicare Part B enrollment?
If you have questions regarding your enrollment or need assistance, please contact:
- Social Security Administration (SSA) at 1-800-772-1213 (TTY 1-800-325-0778).
- Medicare at 1-800-MEDICARE (1-800-633-4227).
- Online enrollment and information are available at www.ssa.gov/medicare.
Enrolling in Medicare Part B is an important event, so make sure you go through due processes to avoid incurring any penalties and evade penalties. If you qualify for SEP, apply as soon as possible to prevent any gaps in coverage.
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