What should Mrs. Peňa know about enrolling in Part B while on her employer's plan?

The correct answer indicates that Mrs. Peňa can enroll in Part B at any time while covered under her employer's plan. This is important because, under Medicare rules, individuals who are working and have health insurance through their employer may not be required to enroll in Part B immediately. As long as they are covered by a qualifying health plan, they can wait until that coverage ends or they retire before enrolling in Part B without facing a late enrollment penalty.

This flexibility allows individuals like Mrs. Peňa to make informed decisions based on their current health insurance situation without the pressure of a mandatory timeline, provided they have creditable coverage through their job.

In contrast, other options may imply restrictions that do not apply when someone is actively employed with coverage. For example, stating that she cannot enroll until retirement or must enroll without delay would misrepresent her rights and options under Medicare. Enrolling within a specific window after retirement may also seem restrictive when she has broader options available while still covered by her employer’s plan.