Still Working at 65? Do I Need Medicare?

Ask your employer or benefits administrator:

• Is my coverage based on current active employment?

• How does the employer plan coordinate with Medicare after age 65?

• Do I need Medicare Part A or Part B for my employer coverage to continue?

• Is my prescription drug coverage considered creditable?

• What happens to my coverage when I retire?

Some people with qualifying coverage based on current employment may be able to delay Part B and use a Special Enrollment Period later. Other types of coverage, including COBRA and retiree coverage, have different Medicare rules.

Important HSA consideration

If you're contributing to an HSA, Medicare enrollment deserves additional attention because you generally can't contribute to an HSA once you're enrolled in Medicare. Part A can also be retroactive in some circumstances when you enroll after 65.

Simple takeaway

Don't enroll—or delay enrollment—just because someone else turning 65 did. Check how Medicare works with your own employer coverage first.

Related Links:
When Should I Sign Up for Medicare?
Turning 65? Start Here with Medicare?

Need help understanding how Medicare fits with your current coverage

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