My Medicare Broker
Late  Enrollment  Penalty ?

     Typically, Part A comes without a premium, that is if you
     have worked more than 40 quarters. However, those who
     choose not to enroll into Medicare Part B, or Part D, when
     First Eligible, will face a Late Enrollment Penalty.

     You are first-eligible to enroll into Medicare (3) months
     prior to your 65th Birthday. Generally you are late, if you
     wait more than (3) months past your 65th Birthday unless
     you have another coverage, such as from your employer.

     If you turn 65 while covered under an employer group-plan,
     once you disenroll from it and enroll into Medicare, you may
     loose the opportunity to re-enroll back into that group-plan.

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 However, Medicare Advantage Plans are available regardless of medical history.
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