Working past 65

Even if you are not ready to retire and have coverage through your employer, you still need to think about Medicare. 

The key answer is that you are NOT required to sign up for Medicare Part B during your Initial Enrollment Period. 

If you or your spouse are still working and have health insurance through your job the size of your employer will determine whether or not you should enroll in Part B.  If your employer has 20 or more employees, there’s no need to sign up.  Your employer’s plan will remain your primary coverage.  If your company has less than 20 employees, you should enroll in Medicare Part B, because it will become your primary insurer.

It’s important to understand how the coverage you get on the job works with Medicare. Talk to your employer when you become eligible for Medicare. 

When you do eventually retire or leave work, you'll be able to sign up for Part B, without incurring a late penalty, during an eight-month Special Enrollment Period.

You should sign up for Medicare Part A

There’s no reason not to enroll in Medicare Part A during your Initial Enrollment Period. If you paid Medicare taxes while working, it’s available to you with no monthly premium.

What does Medicare cover?

Watch this video to help you answer questions about Medicare and Medicare eligibility.

Here’s how to enroll in a Geisinger Gold Medicare Advantage plan

After you or your spouse retires, you’ll be able to sign up for Medicare and Medicare Advantage (Parts C and D) during a Special Enrollment Period  — without a late enrollment penalty.
 
Have questions? Call 800-482-8163 (TDD: 711) to speak with a Geisinger Gold Medicare Advisor, or you can also enroll online.

Y0032_17116_1 CMS Approved 5/22/17