Absolutely nothing! There is never a charge or any obligation to use our services. They are free.

Technically no, but if you do not sign up for Part B when first eligible and do not have creditable coverage through an Employer or elsewhere, you could face a late enrollment penalty (LEP) when you do sign up. Additionally, when signing up in this circumstance, there are usually considerable delays in getting the coverage in force. So, as a general rule, it is better to sign up when first eligible unless you have creditable coverage you are planing to keep.

Once you become eligible for Medicare, as long as you are covered by a health plan that is considered to be “creditable” (meaning: at least as good as Medicare), you will not be fined for delaying signing up for Medicare. Once you decide you are going to drop your creditable coverage, you will need to sign up for Medicare Part B within a certain time frame (Special Election Period) to avoid a late enrollment penalty (LEP).

If you are having trouble paying your Part B premium, you might consider checking with your state’s Medicaid program to see if you qualify for additional support.