Hi Figaroasmom,
I highly recommend you call Medicare to get the facts and get assistance. Do not do an internet search for their number, use the number from your Medicare statements, as search engines are compromised now and I find it hard to figure out what is valid and what is a scam.
I have had several interactions with Medicare and the staff are always incredibly helpful.
A relative delayed getting Part B as he had insurance coverage and then ended up with the permanent penalty. It appears there are exceptions, but you need to speak with someone at Medicare to get the facts for your daughter-in- law’s particular situation. You do need to have a little time and patience to wait on hold. I have found calling first thing in the morning minimizes the wait.
This is a quote from the Medicare site about Part B penalties
I did not include a link, as I do not have my Medicare paperwork in front of me to make sure it is the valid website. Just check your Medicare statements for phone numbers and the website address.)
“ It’s important to sign up for Medicare coverage during your Initial Enrollment Period, unless you have other coverage that’s similar in value to Medicare (like from an employer). If you don’t, you may have to pay an extra amount, called a late enrollment penalty.
Late enrollment penalties:
Are added to your monthly premium.
Are not a one-time late fee.
Are usually charged for as long as you have that type of coverage (for most people, that’s a lifetime penalty). The Part A penalty is different.
Go up the longer you wait to sign up – they’re based on how long you go without coverage similar to Medicare. Find out when you should sign up to avoid penalties.”
Medicare is wonderful and the staff are there to help folks enroll.
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