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Read this when you’re 64!

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Turning 65 is a milestone in many respects, one of which is qualifying for Medicare, the federally sponsored health-insurance program. Yet for many, the Medicare process can be daunting, from how to enroll to which of the various options to select.

“It is complicated and there are some surprises for people as they age into Medicare,” said Fred Riccardi, director of client services at the Medicare Rights Center, a national consumer group.

To reduce some of the confusion, here’s a look at the most common questions about how and when to enroll and what it will cost. If you don’t follow the rules, you will get hit with penalties and permanently higher premiums.

Continue reading   be sure to read the accompanying text on the right of every slide