Every Medicare form you might need — organized, explained in plain English, and with a free offer to walk through it with you so nothing gets filed wrong.
Filing the wrong form — or filing the right one incorrectly — can cause late enrollment penalties, coverage gaps, or delays. Brian walks through these forms with clients every day. It's always free.
These two forms are used together more often than not. Submitting one without the other — when required — is the most common and costly mistake Brian sees new Medicare enrollees make.
The main form to sign up for Medicare medical insurance
If you delayed Part B because of employer coverage, you almost always need to submit this with CMS-L564 below. Submitting 40B alone will likely cause a delay or penalty.
Proof that you had creditable employer coverage — prevents late penalties
This is where people get burned. If you delayed Part B because of employer coverage, this form is required. Without it, you may be charged a late penalty — for life. This is one of the highest-value things Brian helps with.
If your income dropped recently — due to retirement, divorce, or loss of a spouse — you may be paying more than you need to. This form can lower your monthly Medicare bill immediately.
Request a reduction in your Part B & Part D premiums after an income change
IRMAA surcharges can add $81 to $487+ per month to your Part B premium in 2026. This form can eliminate that surcharge — often within 30–60 days of submission.
Use our free 2026 IRMAA Calculator to check whether income-related surcharges apply — and how much you might save by filing an appeal.
📈 Use IRMAA Calculator💡 IRMAA surcharges are based on your income from 2 years ago. If your 2024 income was high but 2025 dropped, you may be overpaying right now.
Medicare decisions aren't always final. These forms let you correct enrollment mistakes, cancel coverage you no longer need, or appeal a decision you disagree with.
Voluntarily cancel your Medicare Part B coverage
Do not file this without understanding the consequences. Re-enrolling in Part B later may come with a late penalty and a wait until the next General Enrollment Period (Jan–Mar each year).
Appeal a Social Security or Medicare decision you disagree with
You typically have 60 days from the date of the initial SSA decision to file for reconsideration. Don't miss this window.
These forms are less common but highly valuable — especially for families helping an aging parent navigate Medicare, or for clients with specific medical situations.
Authorize Brian — or a family member — to speak with Medicare on your behalf
Many clients give Brian this authorization at enrollment. It means Brian can handle the back-and-forth with Medicare directly — saving you time, confusion, and frustration.
Documentation for Medicare eligibility based on End-Stage Renal Disease
People with ESRD can qualify for Medicare at any age — not just at 65. This is a niche but important situation where getting the timing right matters significantly.
A wrong form or a missed deadline can mean a penalty you carry for life. Brian reviews forms with clients for free — every week, year-round.
Application for Medicare Part B
Filing this without the right supporting documentation can trigger a late penalty or coverage delay. Takes 2 minutes to confirm with Brian.