HOOK
Think enrolling in Medicare Part B is automatic? For a lot of people, it’s not—and missing the timing can cost you. [B-roll: person looking at Medicare card and calendar]
KEY POINT 1
First, know whether you’re getting Part B through your job. If you’re still covered by active employer insurance, you may be able to delay Part B. But retiree coverage and COBRA usually do not count the same way. [B-roll: worker at desk, employer benefits booklet]
KEY POINT 2
Second, watch your enrollment window. If you don’t sign up when your Initial Enrollment Period or Special Enrollment Period applies, you could face a late enrollment penalty for as long as you have Part B. [B-roll: calendar pages flipping, clock icon]
KEY POINT 3
Third, don’t assume Part B covers everything. It helps pay for doctor visits, outpatient care, and preventive services, but you still may owe deductibles, coinsurance, and monthly premiums. [B-roll: doctor’s office, billing statement]
CTA
The safest move? Check your current coverage, your retirement status, and your Medicare deadlines before you make a decision. If you want, I can help break down Part B enrollment in plain English. [B-roll: laptop with Medicare.gov, simple checklist]
