Medicare Enrollment For Lawyers: What You Need To Know Before 65
Above the Law
by David HunterFebruary 19, 2026
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Lawyers often pride themselves on their ability to plan meticulously, but when it comes to Medicare enrollment, even the most detail-oriented professionals can overlook critical deadlines. As the article highlights, missing the Initial Enrollment Period (IEP) for Medicare can lead to significant financial penalties that last a lifetime. Sarah, a retired lawyer who delayed her enrollment by just a few months, now faces an extra $67 per month in Part B premiums due to a 10% penalty compounded over time. This story underscores the importance of understanding Medicare’s enrollment rules and deadlines, especially for those approaching age 65.
Medicare is divided into four parts: A (Hospital Insurance), B (Medical Insurance), C (Medicare Advantage), and D (Prescription Drug Coverage). Part A is typically premium-free for individuals with at least 40 quarters of work, covering hospital stays, skilled nursing facilities, and hospice care. Part B requires a monthly premium and covers doctor visits, outpatient care, and preventive services. Part D is an optional prescription drug coverage plan offered by private insurers. Medicare Advantage (Part C) bundles A, B, and D into one plan through private insurance providers.
The timing of enrollment is crucial. The Initial Enrollment Period spans seven months: three months before turning 65, the birthday month itself, and three months after. Enrolling during this window ensures coverage begins on time, avoiding delays that can lead to missed benefits or higher costs. Missing the IEP triggers a permanent penalty for every year you could have had Part B but didn’t enroll, increasing premiums
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Originally published on Above the Law on 2/19/2026