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Saturday, November 14, 2026Nov 14

Toni Says: Why am I being charged an extra $565 a month to enroll in Medicare?

Toni King
Toni King

Toni,

I am not sure if I have enrolled in Medicare the right way because I am being charged a Medicare premium of $768 a month, beginning June 1 since I turn 65 on June 14. My friend Sue told me that I am being overcharged because she is paying $202.90 a month. I followed how she enrolled in Medicare by going online. I am not sure if I did this correctly because the invoice that I have received from Medicare says that I owe $565 for Part A and $202.90 for Part B.

My husband, Jeff, was laid off in March and he lost his employer benefits. Jeff doesn’t turn 65 until next year, so he has applied for an individual plan on healthcare.gov, and I applied for Medicare.

I have not worked full-time since we married 35 years ago, and Medicare said that is my issue because I didn’t have enough years having taxes paid from working. The Medicare agent advised me to visit my area’s local Social Security office with my husband. Bring our marriage license to show that we have been married and information that Jeff has worked at least 10+ years. Jeff has worked for his last employer for at least 25 years.

Toni, please help me to understand what I should do to correct my Medicare mistake!