HOOK
[Close-up of calendar pages flipping, then a Medicare card] If you’re turning 65, there’s one Medicare deadline that can cost you money for years: Medicare Part B enrollment. Do you know when your window starts?
KEY POINT 1
[On-screen: “Initial Enrollment Period” with simple timeline graphic] Your first chance to sign up is your Initial Enrollment Period. It lasts seven months total: the three months before your 65th birthday month, your birthday month, and the three months after.
KEY POINT 2
[Split-screen: employer coverage vs. no coverage] If you already have health coverage through current work, you may be able to delay Part B without a penalty. But retiree coverage and COBRA usually do not count the same way, so don’t assume you’re protected.
KEY POINT 3
[Highlighting a bill icon and calculator] Missing your sign-up window can trigger a late enrollment penalty, and that penalty can stick around as long as you have Part B. That’s why it’s worth checking your situation before your birthday month.
CTA
[On-screen: “Need help? Use Medicare.gov”] If you’re nearing 65, review your dates now and compare your current coverage to Medicare rules. For the exact timing, check Medicare.gov or talk with your benefits office before you miss the window.
