Legislation passed in 2020 eliminates the coverage delays that some beneficiaries have faced when they enrolled in Medicare, effective this year.
Your initial enrollment period starts three months before your 65th birthday and ends three months after it . The new rule makes it so coverage takes effect the month after you sign up if you do so in the latter part of that enrollment window. In the past, some beneficiaries waited up to three months for coverage to take effect.Penalties may still apply for some late enrollment
Going that route also has meant waiting until July 1 for coverage to take effect. Starting this year, it will be effective the month after you sign up. Part D also comes with a late-enrollment fee. It's 1% of the "national base premium" — $32.74 in 2023 — multiplied by the number of months that you went without Part D since your enrollment period .'Exceptional' situations may result in special enrollment
Additionally, beneficiaries who qualify for the special enrollment period will not face Part B late enrollment penalties.Casey SchwarzUntil this rule change, the only way to qualify was if a government official provided bad information or made a mistake that caused you not to enroll.
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