MEDICARE PLANNING RESOURCE
Working Past 65? Medicare and Employer Coverage
Working after 65 does not automatically mean you should enroll in every part of Medicare immediately. The answer depends on your employer coverage, the size of the employer and other factors.
Check your employer's coverage rules
Ask your benefits administrator whether your health coverage is based on current employment, how Medicare coordinates with it, and whether the employer has 20 or more employees. Different rules can apply for disability, COBRA, retiree coverage and small employers.
Understand Part B enrollment timing
If you have qualifying group health coverage based on current employment, you may qualify for a Part B Special Enrollment Period. COBRA and retiree coverage generally do not extend the same protections. Verify your circumstances before delaying enrollment.
Watch the HSA rules
Once enrolled in Medicare, you generally cannot make new HSA contributions. Part A enrollment may be retroactive for up to six months in some situations, which can affect HSA contribution limits. Ask a tax professional about your circumstances.
Avoid assumptions about prescription coverage
Request written confirmation of whether your employer drug coverage is creditable for Medicare Part D. Keep the notice for your records.
Before leaving your job
Review your expected retirement date, Medicare application timing, employer plan end date and any Special Enrollment Period documentation.
Official resources and next steps
Medicare.gov · 1-800-MEDICARE (1-800-633-4227)
Have questions about your Medicare options?
Contact Medicare Planning at (785) 979-9796 or complete the Medicare Needs Assessment.
Educational information only. Medicare eligibility, plan availability and enrollment rules depend on individual circumstances. Medicare Planning does not represent every plan available in every area.