Hi Gale, Since you are still a US citizen, you will need to enroll in Medicare to avoid late enrollment penalties. Although you have coverage in the UK, that is likely not considered creditable coverage for Medicare. We recommend enrolling in Medicare during your Initial Enrollment Period to avoid any late enrollment penalties. Your IEP begins 3 months before your 65th birthday and ends 3 months after. However, because we don't deal with Part A and Part B enrollment/penalties, we suggest contacting a Social Security office to confirm this information. From our understanding, foreign health coverage doesn't help you avoid the late enrollment penalty for Medicare. https://boomerbenefits.com/new-to-medicare/apply-for-medicare/
Contact Boomer Benefits, they can help.
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