Part B Late Enrollment Penalty
A lifetime premium surcharge (10 percent per full 12 months delayed) for enrolling in Part B after the Initial Enrollment Period without other credible coverage.
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Maria delays enrolling in Medicare Part B for 24 months after her Initial Enrollment Period ends, without other creditable coverage. When she enrolls, her Part B premium will be:
Increased by 10% for each 12-month period she was late, and the surcharge is permanent — The Part B late-enrollment penalty is a 10% increase in the monthly premium for each full 12-month period the beneficiary was eligible for Part B but did not enroll and had no other creditable coverage. The penalty is permanent: it applies for as long as the person has Part B. Maria's 24-month delay equals two 12-month periods, so her premium is permanently increased by 20%. The penalty is added to the standard premium and does not expire after a set number of years.
National insurance concept
An employee who delays enrolling in Medicare Part B while covered by employer group health coverage has a special enrollment period (SEP) of how long after that coverage ends?
8 months — People who delay Part B enrollment because they are covered by employer group health coverage are entitled to a Special Enrollment Period (SEP) of 8 months after the employer coverage ends (or after employment ends, whichever comes first). Enrolling within the 8-month SEP avoids the Part B late enrollment penalty. The 8-month SEP is distinct from the 7-month Initial Enrollment Period and the annual General Enrollment Period of January through March — three different windows tested on the A&H exam.
National insurance concept
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