Medicare Part B


Turning 65 & Medicare

If you are turning 65, it’s important that you know how to enroll in Part B of Medicare.

You have an open enrollment period called the Initial Enrollment Period (IEP) which is 3 months prior to your 65th birthday and 3 months after to enroll in Part B of Medicare.

  • If you are currently receiving Social Security, you will receive Part B automatically.
  • If you are not taking Social Security, you will need to apply for Part B by going to or to your local Social Security Office.

If you do not enroll in Medicare part B during the IEP, you will be considered a late enrollee and will have to pay a 10% penalty for life.

There is an exception. If you are insured through an employer’s benefit plan, you are not required to apply for Medicare Part B. However, in most cases, you would benefit from leaving your employer’s health plan and enrolling in an Advantage or Medicare Supplement plan with more benefits at a reduced cost.

You must participate in part B of Medicare to enroll in any Medicare Advantage, Supplement, or drug plan.

The cost for part B of Medicare is $164.90 unless you earn more than $97,000 individually or $194,000 jointly.

By providing us with a list of your doctors and medications, we will find the best Medicare benefit plan for your budget and healthcare needs. It’s just that simple!