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flag A retiree faces potential Medicare Part D penalties due to a gap in prescription drug coverage records.

flag A retiree received a notice from CMS stating they lack prescription drug coverage records from March 1, 2019, to January 1, 2025, potentially leading to a Part D late enrollment penalty. flag The retiree delayed Medicare Part B enrollment for five years after turning 65, believing their employment benefits would prevent penalties. flag Medicare expert Toni King advises submitting a Medicare Advocacy form to appeal the decision and suggests contacting CMS for further assistance.

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