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Signing Up for Part B
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After the initial enrollment period for Part B expires, sign up occurs during one of these times:

General Enrollment Period —January 1–March 31 each year; coverage will begin on July 1. There may be a late enrollment penalty. 

Special Enrollment Period —If an individual or their spouse is working and covered by a group health plan based on that work, or disabled, they may choose to wait to sign up for Part B. For working seniors, sign up for Part B can take place anytime if there is group health plan coverage based on current employment or during the 8-month period that begins the month after the employment ends, or the group health plan coverage ends, whichever happens first.  Even with COBRA coverage, enrollment in Part B without penalty must be done during the 8‑month period that begins the month after the employment ends. 

If there is a delay signing up for Part B, it only becomes available during the general enrollment period, and there may be a significant late enrollment penalty. The monthly premium for Part B may go up 10% for each full 12-month period that an individual was eligible, but did not enroll.  Usually, there is no a late enrollment penalty if sign up for Part B takes place during a special enrollment period.
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WomenHeart: The National Coalition for Women with Heart Disease is a nonprofit, 501(c)(3) patient advocacy organization with thousands of members nationwide, including women heart patients and their families, health care providers, advocates and consumers committed to helping women live longer, healthier lives. WomenHeart supports, educates and advocates on behalf of the 42 million American women living with or at risk of heart disease. Our programs are made possible by donations, grants and corporate partnerships.

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