Are currently covered by an employer-provided group health plan and plan to continue working past age 65
You can still enroll in Medicare – Talk to your human resources department before you enroll to ensure you’re making the best decision for you
Have coverage through your spouse’s employer and are over 65
You can enroll in Medicare benefits and maintain the coverage through your spouse’s employer
When can you enroll in Medicare?
There are certain times when you can enroll in Medicare or switch to a new Medicare plan. When you enroll affects what guidelines you have to follow and what type of Medicare plan you can choose. Get to know your enrollment options.
If you don’t enroll in Part B and Part D coverage when you’re first eligible, you may have to pay a late enrollment penalty. There are some special circumstances where you can sign up later. For example, if you’re still working and have group health insurance through your employer, you may be able to wait to enroll in Medicare.
Annual Enrollment Period (AEP)
Every year, during the Annual Enrollment Period (AEP), you can switch, disenroll or join a Medicare Advantage or Prescription Drug plan of your choosing. During AEP, you can also enroll in Original Medicare (Part A and Part B). Your new coverage will begin January 1 of the following year.
Certain events allow you to make a change to your coverage during the year. For example, if you move outside your plan’s service area or lose your employer coverage, you may be eligible for a Special Enrollment Period (SEP).
You may qualify for an SEP under these circumstances (not an all-inclusive list):
If you are eligible for both Medicare and Medicaid
If you lose group health coverage from your spouse's employer
If you move away from your current plan's service area
If your insurance company cancels your health plan
If you get Extra Help from Medicare to pay for prescription drugs.
I’m working past 65. What do I do about Medicare?
A lot of people work past age 65. Many have health insurance through their employers. Depending on your situation as you turn 65, you may or may not have to enroll in Medicare. However, you may want to consider enrolling in Medicare Part A even if you are still working.
Check with your employer’s human resources department to see if signing up for Original Medicare (Part A and/or Part B would be a good idea for you. They should also be able to tell you if your employer requires you to enroll in Original Medicare.
If you don't enroll in a Medicare plan, your employer's plan may not cover services that Medicare covers. Also, you may risk having to pay a Late Enrollment Penalty for Medicare if you don’t enroll when you are first eligible.
Being New to Medicare can be confusing. We’re here to help you figure it out.