But I’m Still Working...

• If your employer coverage comes from a job with 20+ employees: You may delay enrolling in Medicare Part B and Part D without penalty, as your employer coverage is considered “creditable” (most is). Part A (hospital) is usually premium-free, but if you are contributing to a Health Savings Account (HSA), you’ll want to carefully consider when to sign up—see below.
• If your employer has fewer than 20 employees: You’ll likely need to enroll in both Medicare Part A and Part B, as Medicare will become your primary insurance—your employer plan pays second. 

If you want to keep contributing to your HSA: Don’t enroll in any part of Medicare, including Part A. Enrolling in Medicare makes you ineligible for HSA contributions.

• When you (or your spouse) stop working or lose employer coverage: You qualify for a Special Enrollment Period (SEP) to sign up for Part B (and Part D, if needed) without penalty.

• Important: Although you technically have an 8-month window after employer coverage ends, we strongly recommend beginning the Medicare enrollment process at least 2–3 months before your employment or coverage ends. Medicare processing can take time, and you’ll want seamless coverage.

• You'll also need to choose between a Medicare Supplement plan with prescription coverage, or a Medicare Advantage plan. An expert agent can help guide you through these choices to ensure the smoothest transition.

 Medicare rules can be confusing when you’re still working, but you don’t have to figure it out alone. A trusted, licensed Medicare agent can:

• Help compare your employer coverage with Medicare options
• Simplify enrollment timing and paperwork
• Guide your choice between Supplement and Advantage plans
• Ensure all your deadlines are met with no disruption in coverage

There is never a cost to you to use the services of an agent, and whether you do or not will not make any difference in the price you pay for your Supplement, part D, or Medicare Advantage plan. 

Your peace of mind is truly priceless!