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MEDICARE

Working Past 65 and Medicare

You may not need to make the same Medicare decisions at 65 if you are still covered by an employer plan. The rules depend on the source and type of coverage.

Schedule a MeetingCall Jim Kennedy (561) 862-8880

Why Timing Matters

Active employer coverage can affect when you enroll in Part B and Part D. Retiree coverage, COBRA and other coverage can follow different Medicare coordination rules, so it is important to verify how your coverage works before delaying enrollment.

What to Consider Before You Choose

  • Confirm whether your coverage is based on current active employment.
  • Ask the employer plan how it coordinates with Medicare once you are eligible.
  • Verify whether prescription coverage is considered creditable for Part D purposes.
  • Plan ahead for the transition from employer coverage to Medicare so you do not create a coverage gap or late-enrollment issue.

When to Get Help

If you are working past 65, the first question is not which Medicare plan to buy. It is when Medicare should begin and how it coordinates with the coverage you already have.