If I turn 65 while on COBRA should I delay enrolling in Medicare Part B and D?

Usually you should not delay enrolling in Medicare Part B and D. For each year you delay enrolling in Medicare Part B, your Part B premium increases by 10%, and the increase applies for your lifetime. This can be a costly mistake. There may also be a penalty for delaying enrollment in Medicare Part D – which covers prescription drugs – depending on your COBRA coverage.

Center for Medicare Advocacy

revised 7/20/2012

(back to index of frequently asked questions about COBRA coverage) provides help with COBRA issues

COBRA continuation coverage may provide temporary protection when changing jobs, going through a divorce or negotiating other life transitions. Choosing the right health insurance is crucial to protect your health and financial security.