Do I owe a Medicare late enrollment penalty?

An estimate from the standard Medicare formulas. Medicare or your plan sends the official amount.

Which penalty?

Part D (drug coverage) Part B (medical insurance)

How many months did you go without coverage after you could first sign up? For Part D, count months with no drug coverage that was as good as Medicare's (creditable coverage). Estimate

For every plan in your area, including plans we do not offer, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048).

Reviewed by Jordan Diaz, Licensed Insurance Agent, NPN 18910035. Updated November 7, 2026. Questions? Call a licensed agent at 1-866-340-3441 (TTY 711).