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Avoid Medicare mistakes when you're still working


Dear Savvy Senior,

Should I enroll in Medicare at age 65 if I’m still working and have coverage through my employer?

Almost 65

Dear Almost,

The rules for enrolling in Medicare can be very confusing with all the different choices available today. But when you postpone retirement past age 65, as many people are doing, it becomes even more complicated. Here’s what you should know.

First, the basics. Remember that original Medicare has two parts: Part A, which provides hospital coverage and is free for most people. And Part B, which covers doctor’s bills, lab tests and outpatient care. Part B also has a monthly premium of $104.90 in 2016 (though it’s higher for individuals earning...

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