Signing Up for Medicare at the Last Minute

I've had a few cases like this over the years, but I specifically wrote a medsupp for a guy on October 30th who is T65 in November and who also signed up for Medicare online that day. In my experience it can take anywhere from a couple weeks to a few months for people to get either their confirmation letter or card from Medicare after they enroll. And, this is obviously for people who are not drawing Social Security and enrolled in Medicare automatically. For one client that hadn't heard anything yet and was several weeks past her supposed Medicare effective date, I've called Medicare in th

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