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Medicare Part B. In Part B, you pay a monthly premium and a deductible, but there is a limit beyond that to what Medicare covers. There is no limit to the out-of-pocket maximum you might pay beyond what Medicare covers.
Three months after the month of enrollment. The month you turn age 65. The first day of the month after you sign up. If you choose not to sign up for Medicare Part B but then decide to do so later, your coverage could be delayed.