Missed Medicare Enrollment? Here's What to Do Next
Check if you qualify for a Special Enrollment Period (SEP) based on qualifying employer coverage. If not, you'll need to wait for the General Enrollment Period (January 1–March 31) with coverage starting the month after you sign up. You'll face a permanent Part B late enrollment penalty.
When This Applies
- You are over 65 and don't have Part B
- You missed your Initial Enrollment Period
- You thought COBRA or other coverage protected you
- You recently realized you should have enrolled earlier
Frequently Asked Questions
- How is the penalty calculated?
- Part B: 10% of the standard premium per 12-month gap period. Part D: 1% of the base premium per uncovered month. Both are permanent.
- Can I appeal the penalty?
- In limited cases — if you can show you were misinformed by an employer or agency, you may be able to request equitable relief.
- What coverage do I have while waiting?
- During the GEP gap (April–June), you have no Medicare coverage. Consider short-term health insurance or other options to bridge the gap.