Dear Toni: My Medicare starts Nov. 1, and I received my first bill, due Oct. 25, about a week ago. This bill is for three months, from Nov. 1 to Jan. 31, and it’s over $550. I currently have more than ...

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Your questions, answered by experts. By The New York Times Illustrations by Sean Dong Updated Sept. 30, 2025 Leer en español There are few challenges facing students more daunting than applying and ...