In NC, I’m on my husband’s active employer plan with 20+ employees. Since it’s credible coverage, can I delay Medicare, including Part D?
Answered by 8 licensed agents
Yes, since your husband's employer plan covers 20+ employees, it counts as creditable coverage for both Medicare and Part D. So you can delay enrolling in Part A, Part B, and Part D without a late enrollment penalty as long as that coverage stays in place. Once the employer coverage ends, you'll get an 8-month Special Enrollment Period to sign up for Part A and B, and a separate 2-month window to enroll in a Part D or Medicare Advantage plan with drug coverage
As long as your husband's employer coverage is considered creditable coverage, you can delay enrolling into Medicare, including Part D. One to two months prior to coming off of his coverage, you should have a conversation with a broker on how to enroll, when, and what your options are. Keep in mind, for Part B and Part D, you will need to have proof that you had creditable coverage since you were 65.
Yes, you can safely delay your Medicare enrollment, including Part D, without facing any late enrollment penalties. When his employment ends/health coverage ends, you will trigger a Special Enrollment Period to sign up for Medicare and any supplementary plans penalty-free.
You can delay Medicare part B since you have creditable coverage and will not be subject to a penalty.
I would suggest you go ahead and enroll in Medicare part A because there is no premium for most people and it will coordinate with your other coverage.
Yes, you can delay as long as you stay on his plan and his is employed. You should compare your cost options and see if it would be cheaper to go on Medicare.
