Part B penalty calculator
See how much a late start on Part B adds to your premium, every month, for as long as you have Part B.
Medicare tools ·
2026 figures
Arizona Medicare Enrollment Date Calculator
Enter your birth month and year. This maps your Initial Enrollment Period around your 65th birthday: when it opens, when it closes, the earliest date coverage can start, and when your six-month Medigap open enrollment runs.
In clients' words
What working with Viola looks like
I’m very happy I went to Viola at Rise up Benefits Group for my Medicare enrollment. I was inundated with mail and way too much information. I have been with Champ VA for 9 years so it gets confusing what to sign up for without losing those benefits as they become secondary. Viola explained everything and picked out the best option for me. I highly recommend her as it made this transition very smooth.
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Estimates only. Estimates only. Figures on this page use published plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any tax credit are confirmed at enrollment with the carrier or HealthCare.gov. Everything is calculated in your browser; nothing you type is sent to us or anyone else.
What this assumes
- The Initial Enrollment Period is seven months: three before your 65th birthday month, that month, and three after.
- Born on the 1st of the month? Medicare treats your birthday as the previous month, so everything shifts a month earlier.
- Enrolling before your birthday month starts coverage on the 1st of that month. Enrolling later starts it the month after you sign up.
- Your six-month Medigap open enrollment starts the month your Part B begins. It is the one window with no health questions.
- Still working past 65 with employer coverage? Different rules apply, so talk it through before you enroll.
- An estimate from published figures and the numbers you enter, not a quote or an eligibility decision.
Where the figures come from
- Medicare late enrollment penalty rules Centers for Medicare & Medicaid Services (Medicare.gov), 2026
Talk it through with Viola
An estimate is a starting point. Viola Lucero, CLTC, and the team at Rise Up Benefits Group in Chandler can look up the real figures for your situation, check your doctors and prescriptions, and explain what the numbers mean for you. We speak insurance, so you don't have to.
Or see real 2027 Medicare plans for your ZIP code:
Rise Up Benefits Group is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Common questions
When can I sign up for Medicare in Arizona?
Your Initial Enrollment Period is seven months long: the three months before the month you turn 65, your birthday month, and the three months after. The rules are federal, so they are the same in Arizona as everywhere else.
Signing up in the three months before your birthday month starts coverage on the 1st of your birthday month.
What if my birthday is on the 1st of the month?
Medicare treats you as turning 65 in the previous month, so your whole enrollment window, and your earliest coverage date, move one month earlier.
When is my Medigap open enrollment period?
It is the six months starting the month you are 65 or older and your Part B begins. During those six months a Medigap insurer cannot turn you down or charge you more because of your health.
Do I need to sign up for Medicare at 65 if I am still working?
Not always. If you or your spouse have job-based coverage from current work, you may be able to delay Part B without a penalty and sign up later during a Special Enrollment Period. The size of the employer matters, so check before you decide.
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We speak insurance, so you don't have to.
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2160 North Alma School Road, Suite 102, Chandler, AZ 85224 · (480) 300-5776