Your Medicare enrollment window opens 3 months before your 65th birthday — missing it means lifetime penalties.
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Don't Make This Mistake
Medicare Part B late enrollment penalty = 10% added to your premium for every 12 months you were eligible but didn't enroll. It never goes away.
3 months before 65th birthday
Window opens
Your 65th birthday
Enroll now
3 months after 65th birthday
Window closes
After that
Penalties start
Source: Medicare.gov · 1-800-MEDICARE
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