Do You Need Medicare If You’re Still Working?
It depends on the size of your employer.
Do You Need Medicare If You’re Still Working?
It depends on the size of your employer.
Large Employer (20+ Employees)
- Employer coverage is primary
- You may be able to delay Medicare Part B
Small Employer (Under 20 Employees)
- Medicare becomes primary
- You typically must enroll in Part A & B
Key Decision: Stay or Switch?
You’ll want to compare:
- Monthly premiums
- Deductibles and out-of-pocket costs
- Network flexibility
- Prescription coverage
When to Enroll
If you delay Medicare due to employer coverage, you’ll get a Special Enrollment Period when that coverage ends.
Avoiding Penalties
Missing your enrollment window can result in lifetime penalties, especially for Part B.
Our Approach
We run a full cost-benefit analysis so you can confidently decide whether to:
- Stay on employer coverage
- Switch to Medicare
- Or combine both strategically
Medicare Doesn't Have To Be So Hard....
Schedule your FREE consultation to have our team answer your questions and make Medicare easy for you!