Medicare.gov: the official U.S. government site for Medicare

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Source: medicare.gov

When to Apply for Medicare

If you sign up for Medicare prescription drug coverage (whether through a stand-alone Medicare Part D Prescription Drug Plan or a Medicare Advantage Prescription Drug plan), you can avoid late-enrollment penalties by enrolling in this coverage as soon as you’re eligible for Medicare. If you decide to stay with Original Medicare and add a Medicare Supplement (Medigap) plan, the Medigap plan must accept you if you sign up for Medigap during the 6-month period that begins as soon as you are 65 or older and enrolled in Part B. If you don’t buy a Medigap plan at this time, but decide to get one later, the plan may not have to accept you.
Source: ehealthmedicare.com

How To Apply for Medicare

Medicare Part B: 10% late enrollment penalty applied to your monthly premium for each full 12-month period that you did not have Part B despite being eligible. In most cases, this penalty will be added to your monthly premium for the remainder of your enrollment in Medicare.
Source: tuftsmedicarepreferred.org

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