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Share this…FacebookPinterestTwitterLinkedin Toni: I would like your assist! I’ve simply found that my mom, who’s 67, by no means enrolled…

By Staff , in Medicare , at January 1, 2022


I would like your assist! I’ve simply found that my mom, who’s 67, by no means enrolled in Medicare Half B or D. She was below the impression that if she didn’t go to the physician, she didn’t must pay the premium as a result of she wants the cash to pay for her automotive fee and will

enroll later.  She has an enormous downside as a result of she has been recognized with colon most cancers and he or she doesn’t have Half B or a Medicare prescription drug plan. I known as Social Security to assist her enroll in Half B and was knowledgeable that she should wait till January 1 thorugh March 31 to enroll in Medicare Half B. The Social Security agent stated that my mom has missed her “window of

alternative.” She didn’t enroll when she turned 65 and now the penalty and delay of Medicare Half B goes to be very pricey. Please advise me what I can do to assist her? Thanks, Jeanine


Oh My, Jeanine:

Your mom has an especially severe Medicare concern, as a result of not solely will she have

to enroll throughout Medicare’s Normal Enrollment Interval which is the particular time from January 1

by way of March 31 every year for people who by no means enrolled in Medicare Half B. Her Medicare Half B will start July 1, and she is going to obtain a Half B penalty.

When your mom enrolls in Medicare Half B throughout Medicare’s Normal Enrollment Interval, she is going to obtain a Half B penalty which is a ten% penalty for every 12-month interval and for her is 20% (two years x 10%) for so long as your mom might have had Half B however did not enroll. This 20% penalty won’t ever go away and stays in impact for the lifetime of the Medicare beneficiary’s Medicare protection.

To your mom to enroll in a Medicare Half D plan is one other concern. She should wait till

the subsequent Medicare Annual Enrollment which is from October 15 by way of December 7. The Medicare Half D plan will begin January 1. The Medicare Half D penalty for is 1% of the nationwide Half D common premium (and this additionally modifications every year) for every month she might have enrolled in Half D from age 65 however did not. Her Half D penalty shall be that particular Half D 1% penalty for 36 months (for instance), for an additional month-to-month penalty price and this quantity modifications as Half D’s premium and month-to-month penalty modifications.

At present, there are over 775,000 Medicare beneficiaries who’re receiving a Medicare Half B and/or D penalty costing on common $5,000 in Medicare lifetime penalties as a result of they didn’t enroll below Medicare’s Preliminary or Particular enrollment durations.

Medicare enrollment durations are listed beneath:

  • Medicare Preliminary Enrollment Interval:  Begins three months earlier than turning 65, the month

one turns 65 and three months after one turns 65. This era is for these not working full-time

with firm advantages or these not working receiving their Social Security verify and are turning 65.

  • Particular Enrollment Interval: Enroll after 65 when delaying Medicare Half B attributable to

working full time with firm advantages. That is an eight-month window of signing up for

Half B with out receiving a Half B penalty.

  • Normal Enrollment Interval: January 1 by way of March 31, when one who has not enrolled in Half B might enroll however will obtain a Half B penalty. Throughout this enrollment interval Medicare Half B would start July 1.


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