What if I’m still working?

Depending on your situation as you turn 65, you may or may not have to enroll in Medicare.

1. Save some money.

• If you have an individual health plan, a Medicare plan could help you save money on your care expenses.
• If you have health insurance through your employer, a Medicare plan could work with your employer-sponsored coverage. Check with your benefits administrator to see if it makes sense for you to sign up for Original Medicare (Parts A and B) in addition to the coverage you get already.

2. Start with basic coverage.

Many people who choose to work past age 65 enroll only in

Part A because there is no monthly premium. Some choose to enroll in

both Parts A and B together (Original Medicare). However, Part B comes

with a monthly premium based on your income, so many don’t enroll in

Part B until they lose their employer-sponsored coverage.

3. Is enrollment required?

Most people are not required to enroll in Medicare when they turn 65.

Check with your benefits administrator to see if your employer requires you

to enroll in Medicare Parts A and B. Your or your spouse’s employer may

require you to enroll in Parts A and B in order to keep group-sponsored

coverage. This may happen if you are retired or if you or your spouse is

actively working, you have group coverage through your/your spouse’s

employer, and the employer has fewer than 20 employees ( 100 if you’re

eligible for Medicare due to disability).