Turning 65 & Enrollment

A: You may be able to delay Part B penalty-free if the employer has 20+ employees. If the employer is smaller, Medicare may still need to be primary.

A: You can sign up during the General Enrollment Period (Jan 1–Mar 31), but your coverage will start later and you may face a Part B late penalty.

A: If your employer has 20 or more employees, you may delay Part B without penalty. If the employer has fewer than 20, you usually need Medicare because it becomes your primary insurance.