I didn't pick up Part B when I was first eligible. I was on SS disability and after 2 years you automatically get Part A. Part B is not automatic and you must opt to pick it up. I didn't until 2 years later. I regret that because I am being penalized with a higher premium and that lasts for life.
My advice is to pick up Part B as soon as you are eligible.
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Penna. until '68, Florida since '73.
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