Contrary to what many people believe, not all Americans are automatically enrolled in Medicare at age 65, which means when the calendar flips closer to your 65th birthday, it’s time to pay attention to enrollment rules to avoid hefty, sometimes permanent penalties.

Retirement Tip of the Week: Not sure when you’re officially allowed to enroll in Medicare, or if you already missed the deadline? Check quickly as any long-term delays could cause extra and unnecessary costs to your premiums every month.

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