Don't get stuck with penalties. is not endorsed or reviewed by the federal Medicare system. This information is not professional advice and do not ever cancel coverage without discussing it with your current insurance plan and Medicare. 


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Part A Penalties 

The good news is that there are very few instances where you may be penalized for delaying Part A. The bad news is that if you are penalized, it will be 10% of your premium for double the number of years you delayed. Yikes! Complete the form to the left to determine if delaying Part A is right for you.

If you don't know if you are eligible for Part A, you can use the Eligibility and Timing Calculator below, to find out.

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Part B Penalties

It is very important to make sure if you can delay applying for Part B without repercussions. The penalties can be very harsh if you don't apply on time. Complete the form to the left to determine if you can delay Part B without penalties.

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Part D Penalties

Medicare Part D is a bit complicated, and the ways you can be hit with penalties can be confusing. However, the biggest issue you could face with delaying Part D is lack of coverage, especially because you never know when you might need costly medications. Furthermore, you can only sign up for Part D a few times a year. If you fail to sign up during your windows you may experience gaps in coverage for extended periods of time. Don't wait!

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Medigap (Supplemental Medicare) Timing & Penalties

Medigap supplements your Original Medicare plan by sealing the gaps in its coverage. To understand when and how to get Medigap, and to learn about the penalties associated with it, fill out the form to the left.

**These penalties apply only to people who are 65 or older. If you are looking for penalties about delays in signing up and you have SSDI then send us your email and we will contact you as soon as we have that up.