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Message: <blockquote data-quote="TerryMiller" data-source="post: 3468953" data-attributes="member: 7900">I'm not an expert on this stuff, but here is what happened with me.  When I turned 65, I guess I was automatically enrolled in Part A (Hospital.)  At the time, I was told/read that if I didn't sign up for Part B (Doctor), that I would be penalized for every month that I did not have Part B.  At the time, I was still working and had insurance for state employees.  Rather than go through all the nonsense of having "someone" submit forms to Medicare to give me a waiver, I chose to go ahead and enroll in Part B.  What they didn't tell me was that there would also be a penalty for NOT signing up for Part D (prescriptions.)After we retired and moved to Colorado for 20 months, I signed up for a Part C (Medicare Advantage) plan.  Then, we moved to Oregon and while there, I found out that Part C would not help me because I no longer lived in the state where I signed up.  My only options for health care under those circumstances was to go to the ER for all medical treatment.  Luckily, I was and still am in good health.After moving to Utah, we somehow managed to get off of the Part C and back on Part A and B.  In addition, we got a supplement through USAA and I am currently on Plan N with that supplement.  I will NEVER go on another Part C and can never recommend that for anyone.  In addition, even with being back on regular Medicare, I am STILL paying the penalty each and every month because of 14 months of not having a prescription drug plan.So, do your research and be prepared to sign up for A, B, and D if you want to avoid penalties for the rest of your life.</blockquote>

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