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[quote=Anonymous]I agree with contacting your SHIP, and also contacting the Social Security office to ask. But I think the answer to your question is that your son would face the Part B penalty, because the exception to that penalty is tied to still being employed and having employer coverage. I could be wrong, but I think that’s the issue.
The Part D penalty exemption is tied to having creditable coverage, which I would guess your son has through the BCBS plan, but you should call and ask BCBS that question (they should be able to tell you, and provide to you a document that affirms the plan counts as creditable coverage — often you get a letter at some point each year that says this, so you might already have it).
Good luck. 
Also, in thinking about whether Medicare makes sense, check the laws in his state regarding access to Medicare supplement, or Medigap, plans. Different states have different rules for those eligible for Medicare due to disability. Also, in thinking about a Medicare Advantage plan, remember that they are required to have an out-of-pocket maximum, which might work in your son’s favor. Also, with the changes to Part D coverage resulting from the Inflation Reduction Act, his costs might not be terrible, though you would need to check formularies carefully.
Good luck.[/quote]

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