Medicare With Employer Coverage
If you plan to continue working after age 65, it’s important to understand how Medicare works alongside your employer health insurance. Whether you need to enroll in Medicare Part A and Part B often depends on the size of your employer.
Medicare With Employer Coverage
If you plan to continue working after age 65, it’s important to understand how Medicare works alongside your employer health insurance. Whether you need to enroll in Medicare Part A and Part B often depends on the size of your employer.
Large Employer Coverage (20+ Employees)
If your employer has 20 or more employees, your group health plan is typically the primary insurance and Medicare becomes secondary.
In many cases, employees in this situation choose to delay Medicare Part B because their employer coverage is already paying first.
However, everyone’s situation is different, so it’s important to review your plan before deciding.
Small Employer Coverage (Under 20 Employees)
If your employer has fewer than 20 employees, Medicare generally becomes the primary insurance, and your employer plan pays secondary.
Because of this, you will typically need to enroll in:
Failing to enroll when required can leave gaps in coverage and may lead to penalties later.
Summary
If you plan to keep working past age 65, always verify how your employer coverage coordinates with Medicare. The size of your employer determines whether Medicare is primary or secondary, and enrolling at the wrong time could lead to coverage gaps or penalties.
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