HOOK
Thinking you can sign up for Medicare Part B any time? Not always—and missing your window can mean a lifetime penalty. [On-screen: calendar pages flipping; close-up of Medicare card]
KEY POINT 1
Your first chance is your Initial Enrollment Period. It’s a 7-month window that starts 3 months before the month you turn 65, includes your birthday month, and ends 3 months after. [On-screen: simple 7-month timeline]
KEY POINT 2
If you’re still working and have health coverage through an active employer, you may qualify for a Special Enrollment Period later. That usually lets you sign up without a late penalty when your job coverage ends. [On-screen: person at work, then retiree leaving office]
KEY POINT 3
If you miss both windows, Medicare can charge a late enrollment penalty for Part B, and it can stick around as long as you have coverage. That’s why timing matters more than people think. [On-screen: warning icon next to bill statement]
KEY POINT 4
The safest move? Check whether you already have qualifying employer coverage, then mark your enrollment dates now. If you’re unsure, talk to Social Security or a Medicare counselor before your window closes. [On-screen: checklist being completed; phone call to counselor]
CTA
Want more Medicare basics made simple? Follow for quick tips, and check your enrollment window before it’s too late. [On-screen: “Follow for Medicare tips” and “Check your dates”]