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AARP's Social Security Q&A Tool

Is there a penalty if you're late applying for Medicare?

En español | Yes, in most cases.  If you apply after age 65 and do not have a valid reason for the delay, you will generally have to pay a 10 percent surcharge on Medicare Part B--which covers doctor bills, tests and medical equipment--for each year that you delayed.  You must have coverage under a group health plan, either from your own or your spouse’s current employment, to avoid this higher rate.

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