How do I get rid of part B late enrollment penalty?


Editorial team Published on

You can remove a Medicare Part B late enrollment penalty by filing an appeal with the Social Security Administration (SSA) if you had qualifying job-based insurance or if the delay was caused by official government misinformation.

🔎 Valid Grounds for Removal

  • Active Employer Coverage: You or your spouse were working and covered by a group health plan from an employer with 20 or more employees during the delay.
  • Medicare Savings Program: You qualified for a state program that helps pay Medicare costs.
  • Government Misinformation: A federal employee (from Social Security or Medicare) gave you incorrect enrollment advice.

🗓 Step-by-Step Action Plan

  1. Check your notice: Locate the penalty notification letter from the Centers for Medicare & Medicaid Services (CMS) or Social Security.
  2. File an appeal: Submit a request for reconsideration to the SSA within 60 days of receiving the penalty notice.
  3. Gather proof: Collect documentation like W-2s, tax returns, or a completed Form CMS-L564 signed by your employer to verify continuous coverage.
  4. Keep paying: Continue paying the penalty amount while your appeal is under review; if approved, you will receive a refund.