Social Security Questions? Ask a Social Security Expert
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At 65 you are eligible for Medicare, regardless if you apply for social security benefits or not. If you are collecting any type of social security benefits, you had been automatically enrolled in Part A. Part B is optional.
You do not have to enroll, but if you don't when you become eligible (at 65), you will be penalized later for late enrollment. The penalty is in form of higher premium for few years.
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