If a senior is turning 65 but still working, should they enroll in Medicare or delay it?

If they have what is called creditible coverage (ie; coverage as good as or better than medicare) then they do not have to take medicare a and b at 65. Sometimes however their company plan may cost them MORE than medicare so that is a consideration. If they do decide they want to take medicare at 65, the other caveat is not contributing to their HSA for the 6 months leading up to that date.

Answered by Gretchen Morris on March 4, 2025

Broker Licensed in MN, AZ, FL & WI

Answered by Gretchen Morris Medicare Insurance Agent
It depends. Are they on their Employer’s group coverage plan? Is it creditable? Is it more expensive than Medicare? There are a lot of factors to consider. Do you have a spouse under 65 that you are providing coverage for? Does is make sense financially?
This is why it’s important to work one on one with an agent/broker in order to determine what is right for you.

Answered by Samantha Jellison on March 6, 2025

Broker Licensed in NC, FL & SC

Answered by Samantha Jellison Medicare Insurance Agent
A Senior, if still working, can enroll in Part A but need not enroll in Part B if they have creditable insurance on the job.

A senior may continue to work after 65 if they're desiring to reach full retirement age and delay SS and Medicare enrollment

Answered by Jeffrey Simpson on March 7, 2025

Agent Licensed in NC, GA & SC

Answered by Jeffrey Simpson Medicare Insurance Agent
Call me to discuss. You should apply for Medicare Part A but possibly hold off on Part B for time being, however again, Medicare is NOT a one size fits all product and really depends on several factors

Answered by Jackson Cassibry on March 7, 2025

Agent Licensed in CA, AZ, LA & OK

Answered by Jackson Cassibry Medicare Insurance Agent

Tags: Advice for Seniors Enrollment Periods New To Medicare

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