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Medicare enrollment comes with a lot of deadlines and timelines paired with penalties and taxes if you miss these. There is no reason to fear Medicare penalties, and we can assist to determine if your group coverage is creditable. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com.