A 66-year-old patient newly eligible for Medicare asks about the late enrollment penalty for Part B. She delayed enrollment for 2 years after becoming eligible because she was covered by her spouse's employer plan. Will she owe a penalty?
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A
Yes, any delay beyond 3 months after turning 65 results in a permanent penalty
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B
No, creditable coverage through a spouse's active employer plan qualifies as a Special Enrollment Period exception
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C
No penalty applies to anyone who enrolls within the first year after Medicare eligibility
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D
Yes, she will owe a 10% premium penalty for each full 12-month period she was without Medicare Part B