Call (951) 768-5398 to speak with a licensed insurance agent.

Call (951) 768-5398 to speak with a licensed insurance agent.

What if You Work After Age 65? Do You Need to Enroll in Medicare?

Posted by Darrell Evans, August 24, 2022

These days, whether due to the state of the economy or simply out of a desire to stay active, many people over age 65 have yet to retire. If you’re still covered by an employer’s group health insurance package, you might wonder if you’re even required to enroll in Medicare. That’s a good question!

The answer is: It depends partially upon the size of the employer, and upon your own preferences.

If your company employs fewer than twenty workers, you are required to enroll in Medicare even if they offer a healthcare plan. If you keep your employer’s plan, it will serve as secondary insurance while Medicare Parts A and B (or an Advantage plan) serve as your primary insurance policy.

If you fail to enroll when required, your health insurance policy might not pay for medical care that you receive, or it might pay less than you expected. And when you do enroll in Medicare at a later date, you will be charged a higher premium for life.

If your company employs more than twenty workers, you do not have to enroll in Medicare at this time. You can delay your enrollment if you feel that your current healthcare plan suits your needs, and you won’t be charged a penalty when you do enroll. Just make sure that you enroll in Medicare as soon as you leave your job, or you’re otherwise not covered by their healthcare plan anymore.

But you might choose to enroll in Medicare anyway! Medicare Part A is free to most people, and it will provide valuable secondary coverage in the event that you need hospitalization. This might be particularly important to you if you tend to incur a lot of out-of-pocket expenses.

As your 65th birthday approaches, remember to give us a call, to speak with a licensed agent.

We can help you learn what you will be required to do, with regard to Medicare enrollment, and guide you toward the decision that works best for your situation.

Need more information?

Contact us online to learn more

Contact Us

Close Accessibility Tools
Accessibility Controls Reset
Content Adjustments
Font Size

Default

Line Height

Default

Content Scaling

Default

Highlight Titles
Highlight Links
Highlight Forms
Align Left
Align Center
Align Right
Focus Mode
Color Adjustments
Desaturate
Monochrome
Contrast

Default

Saturation

Default

Accessibility Statement

Despite our attempts to make this website accessible for everyone, there may still be some pages or sections that are not completely accessible, are in the process of becoming accessible, or do not have a suitable technological solution to make them accessible. Nevertheless, we are always striving to enhance our accessibility by adding, updating, improving its options and features, and incorporating new technologies.

We want to provide our users with the best experience possible, so we strive to support as many browsers and assistive technologies as possible.

If you wish to contact this website's owner, please use the contact form on the website.

Our User Interface Adjustment Options

Font adjustments - With this tool, users can modify font size, style, letter spacing, and line height for improved alignment and readability.

Color adjustments - Users can customize their color contrast profiles to light, dark, desaturated, and monochrome.

Content highlighting - Users can prioritize key elements such as links, forms, and titles.

Content focus - Users can enable focus mode to highlight the current page information based on their mouse movement.

Close