How to apply for Medicare Part B after turning 65 if you have Medicare Part A


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If you did not apply for Medicare Part B during your Initial Coverage Enrollment Period (ICEP) when you turned 65, and have Part A this post by Welch Insurance will explain what you need to do to apply for Part B. Part A helps with hospital coverage and Part B helps with out-patient services such as doctor’s visits.

Step-by-Step Guide:

We will cover the following points:

  • Eligibility requirements
  • Application process
  • Deadlines and penalties
  • Conclusion
  • Medicare Education Events

Eligibility requirements:

Individuals who are eligible for premium-free Part A are also eligible to enroll in Part B once they are entitled to Part A.

Individuals who must pay a premium for Part A must meet the following requirements to enroll in Part B:

  • Be age 65 or older.
  • Be a U.S. resident; AND
  • Be either a U.S. citizen, OR
  • Be an alien who has been lawfully admitted for permanent residence and has been residing in the United States for 5 continuous years before the month of applying for Medicare.

The eligibility requirements for applying for Medicare Part B online include the following:

  • Individuals who are already enrolled in Medicare Part A.
  • Those who are within a Special Enrollment Period, such as when ending an employer group health plan, or have a special situation that qualifies for a limited-time enrollment period.
  • U.S. citizens or legal residents who meet the citizenship or residency requirements.  It’s important to ensure that you meet these eligibility criteria before applying for Medicare Part B online. Additionally, individuals can contact the Social Security Administration for personalized assistance with the application process.

Application process:

The process of applying for Medicare Part B involves filling out the “Application for Enrollment in Part B Form” (CMS-40B). You can obtain this form from the Social Security Administration office, or you may choose to complete it online through the official Medicare website. Additionally, if you’re applying during a Special Enrollment Period based on current employment, you may need to fill out the “Request for Employment Information form (CMS-L564).  Ensure that you have the necessary documentation ready, including proof of age, such as a birth certificate or passport, and proof of U.S. citizenship or legal residency. 

Deadlines and Penalties:

Initial Enrollment Period (IEP)

The IEP is a 7-month period that begins 3 months before your 65th birthday month, your 65th birthday month and 3 months after your you 65th birthday month.

General Election Period (GEP)

The GEP runs from January 1 to March 31 and Part B will start the month after you are enrolled.

Special Election Period (SEP)

When first eligible if you did not enroll in Part B due to having creditable coverage through group coverage or your spouse’s group coverage. You can enroll at any time while covered under the group health plan or during the 8-month period that begins the month the employment ends or the group health plan coverage ends, whichever comes first.

Penalties for late enrollment in Part B

The member’s Part B monthly premium may go up 10% for every 12 months not enrolled.

In Conclusion:

There are other details that could influence your enrollment in Part B that are not covered in this post. You also need to understand if you are thinking about a Medicare Advantage Plan or Medigap Plan with a Part D drug plan and how your enrollment will affect the periods that you can enroll in these plans. For more information such as how (IRMAA) Income-Related Monthly Adjustment Accounts can affect you Part B premium, go to Welch Insurance Medicare Information of call 714-377-3767.

Medicare Education Events

Would you like to learn about Medicare and your options? We offer Medicare Education Events for Huntington Beach, Fountain Valley, Costa Mesa, and Westminster areas, in February 2024, to learn more tap on the Medicare Education Event. This is not a sales event, it is a workshop with dinner to learn about Medicare and your options with your Medicare Part B application.  I hope this information helps!

Medicare Advantage Plans, Medicare Supplement Plans