Understand how employer coverage works with Medicare
Book Free ConsultationIf you have employer health coverage, you have options
If your employer has 20+ employees, your employer coverage is primary and you can delay Medicare without penalty.
If your employer has fewer than 20 employees, Medicare becomes primary and you should enroll at 65.
Always enroll in Part A (it's usually free). For Part B, talk to Gary about your specific situation.
You have an 8-month Special Enrollment Period that starts the month after your employment ends or your group coverage ends, whichever comes first.
Missing this window can result in lifetime late enrollment penalties for Part B.