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Ask Kim: What should I do about health coverage when I turn 65?

Q: I'm going turning 65 in 2016. What decisions do I need to make this year?

A: For most people, turning 65 brings big changes in health coverage. You can sign up for Medicare anytime from three months before to three months after the month you turn 65. If you're already receiving Social Security benefits, you'll automatically be enrolled in Medicare Part A and Part B when you turn 65 and will receive your Medicare card in the mail three months before your 65th birthday. If you're still working and don't want Part B yet, you can send back the card and have it reissued for Part A only.

If you haven't claimed Social Security benefits yet, you'll need to take steps to enroll in...