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Turning 65 brings a seven-month Medicare Initial Enrollment Period, and missing it without qualifying coverage can add a permanent 10% surcharge to your Part B premium for every full 12 months you delay.
Yet the rules around working past 65, employer coverage, and spousal timing trip up plenty of careful planners.
Did Medicare enrollment catch you by surprise — or did you navigate it smoothly? What do you wish you had known before you signed up?
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Not financial advice.
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