Medicare for People Working Past 65

Eligibility for Medicare While Working Past 65

If you’re 65 or older and still working, or covered by your spouse’s employer plan, you may be wondering about your Medicare options. If your employer has 20 or more employees, you can delay Medicare Part B enrollment without penalty, as your employer’s insurance will act as the primary payer. However, if your employer has fewer than 20 employees, Medicare typically becomes your primary coverage, and you should enroll in Medicare when you first become eligible.

Enrollment Process for People Working Past 65

If you choose to delay enrolling in Medicare while you’re still working, you’ll have a Special Enrollment Period (SEP) to sign up for Medicare without penalties when you retire or lose employer coverage. This SEP lasts for eight months, starting from the month after your employment or employer coverage ends. It’s crucial to enroll during this period to avoid any gaps in coverage or late enrollment penalties.

Medicare Benefits for People Working Past 65

Once you enroll in Medicare, you’ll have access to the full spectrum of Medicare benefits, including hospital care, physician services, and preventive care. Medicare coverage can complement your existing employer insurance, ensuring that you continue to receive the healthcare services you need without interruption.

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