HOOK
[Close-up of Medicare card and calendar] Did you know missing one Medicare deadline can raise your Part B premium for life?
KEY POINT 1
[On-screen graphic: Part B sign-up window] Medicare Part B is the medical coverage part of Medicare, and most people should enroll when they first become eligible. If you delay without qualifying coverage, the clock starts on a late enrollment penalty.
KEY POINT 2
[Animated calculator adding a small monthly amount] The penalty is added to your monthly premium, and it usually stays with you as long as you have Part B. That means waiting can cost more than just a few missed months.
KEY POINT 3
[Split screen: employer coverage vs. no coverage] There are exceptions. If you had qualifying employer coverage, you may get a special enrollment period and avoid the penalty. But retiree coverage and COBRA usually do not count the same way, so don’t assume you’re protected.
CTA
[Person checking Medicare.gov on a laptop] Before you delay Part B, verify your coverage and dates. Visit Medicare.gov or talk to Social Security to confirm whether you qualify for an exception. A quick check now can save you money later.
