Can Sally enroll in Medicare Part B at a later date if she delays her enrollment?

Sally can indeed enroll in Medicare Part B at a later date if she chooses to delay her enrollment, but doing so will result in a permanent premium penalty when she eventually decides to enroll. This penalty is calculated based on the number of full months that she was eligible for Medicare Part B but did not enroll, and it increases her premium by 10% for each full 12-month period she delayed enrollment without qualifying for a special enrollment period.

The reasoning behind this policy is to encourage timely enrollment in Medicare, as it ensures that individuals contribute to the program while they are eligible. Thus, the longer someone waits to enroll without valid justification, the more they will potentially pay in premiums over time upon enrollment.

This scenario does not apply to the other options. For example, while Sally can enroll later, she cannot do so at any time without consequences. Additionally, her enrollment is not dependent on providing proof of good health, nor is it a situation where she has to choose to take the benefit immediately or not at all.