3 ms·

Hmm. It wasn't that we didn't have coverage -- that's a separate penalty instilled by the ACA. It was that, after 65, you're supposed to be on Medicare. Period

• toomuchtodo 4y ago
  There is a late enrollment penalty, and it can be substantial (ie paid for the remainder of your lifetime). https://www.medicare.gov/basics/costs/medicare-costs/avoid-penalties https://www.medicare.gov/basics/costs/medicare-costs/avoid-p...
• ceejayoz 4y ago
  > It was that, after 65, you're supposed to be on Medicare. Period. And they way they enforce it is they charge you extra when you do finally get on it (presumably after your private insurance becomes just too expensive...) https://www.medicare.gov/basics/costs/medicare-costs/avoid-penalties https://www.medicare.gov/basics/costs/medicare-costs/avoid-p... "It’s important to sign up for Medicare coverage during your Initial Enrollment Period, unless you have other coverage that’s similar in value to Medicare (like from an employer). If you don’t, you may have to pay an extra amount, called a late enrollment penalty." The penalty is intended to stop people from saving money by forgoing insurance entirely, then hopping on when they get sick. Ask your insurer if they can provide a certificate of creditable coverage for the period. I wonder if a quick consult with a lawyer with relevant experience would be of use.