Medicare When Working Past 65

You first become eligible to enroll in Medicare around age 65.

But if you plan to keep working or you have employer health coverage through a spouse, you have some options to consider when signing up for Medicare.

Here you’ll find the resources and tools you need to help learn about your Medicare enrollment choices and to make confident decisions about getting Medicare.

Do I Have to Get Medicare With Employer Coverage?

. If an employer has 20 or more employees, generally you can choose to delay Medicare enrollment, drop your employer coverage for Medicare, or have both Medicare and employer coverage. If an employer has fewer than 20 employees, generally you will need to enroll in Medicare during your Initial Enrollment Period. If you have health coverage through a spouse’s employer, you may be able to delay or you may need to enroll at age 65. You can have both Medicare and the employer coverage. What you can do will depend on the employer’s rules.

Enrolling in Medicare When Working Past 65

Even if you plan to keep working, you still have a 7-month Initial Enrollment Period (IEP) when you turn 65. If an employer has fewer than 20 employees or your spouse’s employer requires you to get Medicare to remain on their plan as a dependent, you will need to enroll during your IEP to avoid late enrollment penalties. You may also decide enrolling in Medicare is your best choice even if you can delay, and in this case, enrolling during your IEP is a good idea.

Delaying Medicare Parts A & B


Enrolling In Only Part A


Having Creditable Drug Coverage


Do I Need to Notify Anyone If I’m Delaying Medicare?


Your Medicare Special Enrollment Period


Working Past 65 with Medicare FAQs

Many people ask, “Can I sign up for Medicare and still work full time?” The answer is, yes you can. And you can have both employer health coverage and Medicare. Depending on your situation, one will act as your primary coverage and one as secondary.

How COBRA and Medicare work together depends on which you get first. You could have COBRA first and then become eligible for Medicare, or you could have Medicare already and then become eligible for COBRA. Each situation is different. See how COBRA and Medicare can work together in this video ◳.

If you have TRICARE or CHAMPVA coverage, you will need to see whether or not you are qualified for premium-free Part A. If you are eligible, you will be required to enroll in both Part A and Part B to keep TRICARE or CHAMPVA coverage. If you are not eligible, enrollment is optional, but you could face late enrollment penalties. It’s best to talk with your TRICARE and CHAMPVA benefits administrator to learn more.

VA benefits alone will not qualify you to delay Medicare without penalty, so if you have VA health coverage and are still working past 65, you will need to enroll in Medicare during your Initial Enrollment Period.

Individuals with Federal Employees Health Benefits (FEHB) can opt to delay enrolling in Medicare Part A and/or Part B if they have health insurance based on employment (or a spouse’s employment) with an employer who has 20 or more employees.


What Happens When I Retire?


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You have Options let us find the one best for you.

Schedule your Appointment with our Licensed Medicare Specialist.