I'm retiring next year - do I need to do anything with my Medicare?

Question

Mark Cunningham · Accepted Answer

1. Determine Your Eligibility
Most people become eligible for Medicare at age 65. If you are retiring and will turn 65 next year, you should begin the enrollment process as early as three months before your 65th birthday. If you are already 65 or older, you may need to evaluate how your retirement affects your current Medicare enrollment.
2. Understand How Retirement Affects Coverage
If you’re retiring and currently have health insurance through your employer, that coverage will likely end when you stop working. You’ll need to ensure that you have Medicare Parts A (hospital insurance) and B (medical insurance) to avoid gaps in coverage. Even if you’re already enrolled in Part A, you’ll still need to sign up for Part B if it hasn't been done yet.
3. Enroll During the Special Enrollment Period (SEP)
For individuals retiring after age 65, retirement triggers a Special Enrollment Period (SEP), during which you can sign up for Medicare Part B without incurring late penalties. The SEP begins the month your employer coverage ends and lasts for eight months.
4. Consider Additional Coverage Options
Beyond Parts A and B, you may want to explore:
•	Medicare Part D: Prescription drug coverage to help lower medication costs.
•	Medigap: Supplemental insurance to cover costs not paid by Original Medicare, such as copayments and deductibles.
•	Medicare Advantage Plans (Part C): An alternative to Original Medicare that combines Parts A and B, and often Part D, into a single plan.
5. Know Key Deadlines
Avoid gaps in coverage or penalties by knowing when to enroll:
•	Initial Enrollment Period (if turning 65): Starts three months before your 65th birthday and ends three months after.
•	Special Enrollment Period: Applies if you had employer-provided coverage and are retiring after age 65.
6. Contact Medicare or a Licensed Insurance Agent
Reach out to Medicare (1-800-MEDICARE) or your local Insurance Agent for personalized guidance on your specific situation.

John Stagner · Answer

Two possible scenarios - and the answer is yes for both. 

Scenario 1: You are retiring at age 65. If you do NOT take medicare at age 65, you will have a lifetime penalty when you do finally enroll. The penalty will be for Part B AND for Part D. If you are drawing Social Security already, your Medicare will start automatically. If you are NOT drawing Social Security, your will need to self-enroll. You do that at ssa.gov.

Scenario 2: You are retiring AFTER age 65. In order to avoid late enrollment penalties, two conditions had to exist since age 65: you worked for an employer with 20 or more employees AND you had insurance with that employer. If either of those stop (i.e. retirement), you must enroll into Medicare to avoid penalties. You will need two forms: CMS 40B and CMS L564. The 40B is your request to start Medicare. The L564 is filled out by your employer(s) verifying you were covered by their insurance since age 65. If you had multiple employers since age 65, you will need the L564 from each employer.

Jim Towle · Answer

Will you be 65 or older when you retire?

Do you already have Medicare (Part A, Part B)?

Are you currently covered by employer health insurance?

Is your employer coverage through a company with 20+ employees?

Scenario 1: You’re Retiring at 65 or Later & Don’t Have Medicare Yet
You must enroll in Medicare when you retire (or lose employer coverage), or you may face late penalties.

Enroll in Medicare Part A and Part B:

You get a Special Enrollment Period (SEP) of 8 months after your employer coverage ends.

During the SEP, you can sign up for Part B without a penalty.

Consider Additional Coverage:

Part D (prescription drug plan) – to avoid a penalty if you don’t have other creditable drug coverage.

Medigap (Supplement Plan) or a Medicare Advantage Plan – for additional benefits.

Important: If you already have premium-free Part A, sign up for Part B before your employer plan ends to avoid any gap in coverage.

Scenario 2: You Already Have Medicare Part A (but not B)
If you delayed Part B because you had employer coverage, you must now enroll in Part B as your retirement ends your “creditable” coverage.

Fill out Form CMS-40B (Application for Part B).

Submit with Form CMS-L564 (proof of employer coverage), signed by your employer.

Send to your local Social Security office.

Scenario 3: You're Already on Medicare A & B Before Retirement
Decide if you want to add:

Part D drug coverage, if you don’t already have it.

Medigap or Medicare Advantage, depending on your preferences and needs.

Drop your employer plan (if it doesn't coordinate well with Medicare).

Update Social Security if you plan to have Medicare premiums deducted from your benefits.

Scenario 4: You’re Retiring Before Age 65
Medicare won’t start until you turn 65 (unless you qualify for disability-based Medicare). So until then:

Use COBRA, Marketplace insurance, or a spouse’s plan for coverage.

Gus Karigan · Answer

Yes—if you are retiring next year, you should review and coordinate your coverage with Medicare so you avoid coverage gaps or penalties. What you need to do depends primarily on your age and whether you currently have employer health insurance.

1. If you will be turning 65 when you retire

You’ll need to enroll during your Initial Enrollment Period (IEP), which begins 3 months before the month you turn 65, includes your birthday month, and ends 3 months after. During that window you typically:
	•	Enroll in Medicare Part A
	•	Enroll in Medicare Part B
	•	Decide whether to add a Medicare Advantage plan or a Medicare Supplement Insurance with a Medicare Part D plan.

2. If you are already 65+ and covered by employer insurance

When you retire and lose that employer coverage, you qualify for a Special Enrollment Period. In that case you would:
	•	Sign up for Medicare Part B (if you delayed it)
	•	Choose your supplemental coverage option (Medigap or Medicare Advantage)
	•	Add a Part D drug plan if needed.

3. Timing matters

You generally want your Medicare coverage to start the same day your employer coverage ends so there’s no lapse in coverage.

4. Documentation

If you delayed Part B because of employer coverage, you’ll usually submit forms confirming that coverage when enrolling.

Peter Yeh · Answer

Whether you’re turning 65, are already 65, or are older than 65 it doesn’t matter. If you’re planning to retire in 2025, these are some key things you should consider.

Talk with your employer benefits administrator early – at least 6 months before retiring if possible.
Ask how your spouse/dependents may be impacted when you drop your employer coverage. They could be eligible for COBRA.
Ask if you have retiree coverage available, how it may work with Medicare and if it’s available to your spouse/dependents.
If you are over 65, and you were able to delay enrolling because you had creditable health coverage, make sure before you enroll to get written proof of your prescription drug coverage to avoid late enrollment penalties for Part D. Your employer provides this. 
Identify and mark your calendars for your Initial Enrollment Period dates (if you’re under 65 or will be 65 at retirement) or for your Special Enrollment Period dates (if you’re over 65 and qualified to delay enrollment). 
Enroll as soon as you can. Whether it’s the first month of your Initial Enrollment Period or Special Enrollment Period, enroll as early as possible to avoid late enrollment penalties for Parts A, B and/or D.

Meghan Blankenship · Answer

Yes - If you're retiring next year and haven't already enrolled in Medicare, there are important steps to take to avoid gaps in coverage or late penalties. Here's what you need to do: Step 1 Know your Enrollment Window. If you delayed Medicare because you had employer coverage from active work, you qualify for a Special Enrollment Period (SEP): You have 8 months to enroll in Part B after your employment or coverage ends. You can enroll in Part A anytime after 65 (usually premium-free). If you miss this SEP, you may face late enrollment penalties - so timing matters. Step 2 Gather your proof of coverage to avoid penalties, you'll need: CMS-L564 form (Request for Employment Information) Completed by your employer to prove you had creditable coverage. You'll submit this with your Part B application through Social Security.
Step 3: Decide what coverage you want -  Once you enroll in Parts A&B, you can choose: Original Medicare + optional Part D (drug coverage) + Medigap ( to help with out-of-pocket costs) Or a Medicare Advantage plan (Part C) that bundles coverage and may include extras like dental, vision, and fitness

Mary Brown · Answer

It depends on whether you’re already 65 when you retire or if you’ll turn 65 after you leave work.

If you’re turning 65 soon:
You can sign up as early as 3 months before your 65th birthday month.
Your Initial Enrollment Period (IEP) lasts 7 months, total 3 months before your birthday month and 3 months after.
The earlier you enroll, the sooner your coverage starts (no gaps).

If you’re retiring after 65: If you delayed Medicare because you had employer coverage, you’ll get a Special Enrollment Period (SEP) when that coverage ends.
The SEP lasts 8 months from the month your job coverage ends, but it’s best to enroll before your last day at work so you don’t have a gap.

You can enroll:

Online: www.ssa.gov/medicare. This is the easiest and fastest way.
By phone: Call Social Security
In person: Visit your local Social Security office (make an appointment first).

Bill Green · Answer

Yes, if you're retiring next year and will be losing employer coverage, there are a few important Medicare steps to plan for. First, make sure you enroll in Medicare Part A (unless you have a HSA plan). Then when you are at least 3 months from retirement apply for Part B using the proper forms from social security (CMS40B and CMSL564) if your employer coverage is ending. You’ll want to time your enrollment so there’s no gap between your work coverage ending and Medicare starting. If you’ve delayed Part B because you were still working, you qualify for a Special Enrollment Period, which helps you avoid penalties and let's you pick any plan you want without health quetions. You’ll also need to decide whether to add a Medicare Advantage plan or a Supplement plan, and a Part D drug plan, depending on your health needs and budget. Talking with an experienced agent ahead of time can help you make a smooth transition and avoid any surprises.

Answered by Bill Green on March 26, 2025

Broker Licensed in FL, AL, AZ & 19 other states

Answered by Bill Green Medicare Insurance Agent

Jay Larshus · Answer

A few points: 1. If you don't have Medicare Part A & Part B yet, then you will need to sign up for both. Medicare Part B pays for most medical expenses outside of the Hospital such as: Physician visits, diagnostic tests (MRI's, CAT Scans, & etc.), lab work, surgical procedures on an out patient basis, and physical therapy to name a few. Part A pays for Hospital expenses after a deductible per admission. 2. If you only have Medicare Part A & Part B, there is NO cap in your potential out of pocket expenses. Thus, most Medicare clients will sign up for a Supplement or Advantage plan. 3. Medicare Supplement/Medigap plans and Medicare Advantage plans will provide a maximum cap in your expenses. 4. Basic Medicare does not cover Part D prescriptions so a stand alone Part D prescription plan or a Medicare Advantage plan that includes Part D is usually recommended. 5. Lastly it is usually best to sit down with someone who specializes in Medicare products to learn about all your options and which option might be a good fit for you!

Answered by Jay Larshus on April 14, 2025

Agent Licensed in TN & VA

Answered by Jay Larshus Medicare Insurance Agent

Melanie Baxter Black · Answer

If you have health insurance and prescription drug coverage through your employer, the best thing to do is make sure that you enroll in Part A Medicare when you turn 65, at a minimum. There is no need to enroll in Part B if you have creditable health insurance and prescription drug coverage through your employer until that coverage is ending. About 3 months before you retire and lose your employer coverage, you need to enroll in Part B Medicare. You must have Part A and Part B Medicare in order to purchase a Medicare Supplement or Medicare Advantage plan. Remember, Part A Medicare has no monthly premium if you have worked enough quarters in your life but there is monthly premium that is automatically deducted from your Social Security each month for Part B Medicare. 2026 Part B monthly premium is $202.90. If you don't plan on drawing Social Security right away after you retire, you have to pay the Part B Medicare premium directly from a bank account, credit or debit card. Medicare will send you quarterly statements for payment in this situation.

Answered by Melanie Baxter Black on February 9, 2026

Agent Licensed in TX

Answered by Melanie Baxter Black Medicare Insurance Agent

Barbara Barnes, CMIP® · Answer

Maybe.  It depends on what you've already done.

If you already chose your Medicare plans in lieu of a group plan at work, then you may be set and ready to roll.  But if you delayed your full Medicare enrollment because you had coverage at work, you will need to enroll in Medicare Parts A and B before you may choose any other plan options, like Medicare Advantage or Medicare Supplement.  It would also be a good idea to review any notices that you've received from your group plan to know where that plan stands in comparison to Medicare Part D and to see if you may owe a late enrollment penalty if the group plan was not as good as Medicare Part D.

Charise Karjala · Answer

You're retiring next year. Do you need to do anything with your Medicare? Of course you do. You're 65, yeah, for sure. You need to set a budget, get enrolled, and make sure that you have Part B active on the date that you choose to no longer work, at a minimum. That's what you need to do at a minimum. The next step is to do a reasonably good needs analysis and see what kind of plan you need in your community. Find a broker, run a budget, outline your preferred doctors, see what plans they take, and make a projection of the kinds of things that you need to have done in terms of teeth, eyes, ears, and your plumbing, if you will, and lay out an action plan. Most people defer maintenance until after they retire. So you'll probably have a bunch of doctor visits in your first year and do a good job. So yeah, get enrolled. On your 65th birthday, you get your A. As soon as you finish with your employer, you can apply for your B. And it's at that time you've got a couple months to pick up a plan. I probably will suggest that you look at a Medigap policy. I suggested G, but it depends on your state and your community. And you're welcome to hit me up.

David Bell · Answer

Your age makes a difference. You should do some research so you can budget and make a good decision. 

If you are over 65 and still on employer coverage you should really compare costs. Premiums are sometimes about the same, sometimes less. Premiums are only part of the picture. Your out of pocket costs under medicare plans are significantly less than almost any employer plan, so that usually makes the decision. If your spouse is still under 65 and/or you have dependent children still on the employer plan, they can usually stay on the plan, even without you. Your HR department should know if that is an option. 

If you are under 65, reserch costs so you can budget, talk to an agent and make a plan, then sit tight until three months before your birthday. Then check in with Social Security to make sure both Parts A & B will be ready for you.  It is supposed to be "automatic," but make sure you'r enot the "one that wasn't."  When you get your Medicare card callyour agent and get your Medigap and Part D or Medicare Advantatge plan started for the first of the month you turn 65. If you're not taking Social Security you'll need to make payment arrangements for your Part B premium.

Gary Henderson · Answer

SSA
When you turn 65 you can apply for medicare 3 months before your birthday month, and up to 3 months after your birthday month.
Call Social Security or go online to SSA.gov ASAP. You must sign up or get a penalty.

Part A hospital no charge if you worked for 10 years in the USA or 40 quarters.
Part B -  2025 Medical cost 185.00 per month. This will be deducted from your social security check starting the month you enroll. If you do not draw a check it will be invoiced to you. You can sign up for easypay options online.

Please request the effective month you want it to start your medicare plan can then start the same month you selected.

For add on insurance, medicare supplement plans, You have six months to enroll once you sign up for Part B without any medical questions. After 6 months you must pass medical questions and if you have health issues, you can be denied coverage. So, do not put this off. 
 

If you worked past 65, and you are now signing up for Parts A or B,  then you need form L564 filled out by your employer. 
https://www.cms.gov/medicare/cms-forms/cms-forms/cms-forms-items/cms009718

 
For More information about Medicare, when/how to sign up for medicare link: https://www.ssa.gov/benefits/medicare/

 
Medicare guide PDF 2025
https://www.medicare.gov/publications/10050-Medicare-and-You.pdf
Page 75 talks about supplement
 plans

Joni Kattau · Answer

The answer depends on your age. If you're retiring before you turn 65 then you will need to determine how you will obtain health coverage until you're eligible for Medicare when you turn 65. 

If you're retiring at 65 or older, then you will want to enroll in Medicare Part A and B. Your Initial Enrollment Period (IEP) is seven months and begins 3 months before the month you turn 65, includes your birth month and the three months following your birth month. You will complete your Medicare enrollment through ssa.gov website. 

If you want additional coverage beyond the core coverage provided by Medicare and the Federal government, it's recommended to speak with an indepent broker that can help you look at all of your options for additional coverage.

Lauren Fodde · Answer

Yes—retirement is a big Medicare trigger, so timing matters.

Key question: Do you already have Medicare?

If NOT enrolled yet:

You’ll need to sign up for Part B (and usually Part A if you didn’t take it earlier)
Your window starts when your employer coverage is ending

If you ARE already enrolled:

You’ll likely need to add coverage, such as:
A Medicare Advantage plan or
A Medigap + Part D plan

Important tip:
Don’t wait until your coverage ends—start 1–3 months before retirement to avoid gaps.

Bottom line:
Yes, you do need to take action—retirement is your moment to make sure your Medicare coverage is fully set up and ready to go.

Gregg Matheny · Answer

Yes, if you are currently over the age of 65 and you are on some type of employer coverage Then at least a month prior to your employer coverage canceling you’ll need to Get a hold of Social Security (I like SSA. Gov) and apply for Medicare part B only. You will subsequently get a few letters from Social Security stating that they need information about your previous employer plan before they start Part B. You may even need paperwork signed from your work so it’s best to give SSA plenty of time to start Part B.

Answered by Gregg Matheny on March 25, 2025

Agent Licensed in AZ & UT

Answered by Gregg Matheny Medicare Insurance Agent

Brian Moore · Answer

Since you’re retiring next year, you’ll need to enroll in Medicare during your Initial Enrollment Period, which spans the three months before, the month of, and the three months after your 65th birthday—assuming you’re not already on it—but my advice is to start reviewing your options now rather than waiting until the last minute. Get familiar with Medicare Parts A, B, and possibly D or a Supplement plan, and jot down questions for a professional you trust, because diving into this complex process without preparation can leave you rushed and short on time to pick what fits your health and budget. I’ve seen too many folks scramble as retirement hits, so giving yourself a head start ensures you’re set up with confidence when the time comes.

Answered by Brian Moore on March 27, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent

Kathleen Gonzales-Byrd · Answer

Yes - you need to do something with Medicare IF you are (or will be) 65 or older, you have been receiving employer coverage, and you have delayed Medicare Part B. You will have a Special Enrollment Period (SEP) to sign up for Medicare A and B without any penalties once you leave your employer sponsored "credible" coverage (health care coverage). You also have to sign up for Part D (Drug Plan, required even if no prescription medication) and Part C (Medicare Advantage, if you chose to go this route) within two months. A Medicare Supplement plan is also another coverage option. You will be contacting the Social Security Administration (SSA) to handle enrollment.

Answered by Kathleen Gonzales-Byrd on February 9, 2026

Agent Licensed in PA, KS, MD, NJ & NY

Answered by Kathleen Gonzales-Byrd Medicare Insurance Agent

Steve and Sue Brauer · Answer

If you are retiring next year, over 65 and currently insured with your employer, you will need to coordinate terminating your employer coverage and enrolling in your Part B of Medicare (if you delayed your enrollment when you were first eligible) Once you leave your Group Health Plan from your employer, you have a limited time to ether enroll into a MediGap plan and Prescription Drug plan or a Medicare Advantage Plan. I highly recommend finding an Independent Medicare Adviser that ONLY does Medicare to assist you. Our services are free and vitally important to navigate the confusing Medicare waters.

Answered by Steve and Sue Brauer on May 7, 2025

Broker Licensed in AZ & CA

Answered by Steve and Sue Brauer Medicare Insurance Agent

Justin Doherty · Answer

This depends entirely on your age and current insurance situation. If you are already eligible (or will be eligible upon your retirement date), you will need to verify your enrollment in Medicare. This will be automatic if you're also receiving Social Security income. However, if you are not yet receiving SS retirement income, you will need to actively apply for Medicare by contacting Social Security. You will also want to make sure you have your new Medicare Advantage plan, or Medigap plan applied for prior to your work insurance being terminated.

Answered by Justin Doherty on July 10, 2025

Broker Licensed in PA, CO, CT & 11 other states

Answered by Justin Doherty Medicare Insurance Agent

Tom Kowalczyk · Answer

It depends. If you are eligible for Medicare and you have other health insurance from a spouse or retiree coverage from an employer and the coverage is considered creditable coverage, you may not need to do anything.

Individuals who do not have spousal coverage or retiree benefits will need to enroll in Medicare parts A and B. Then evaluate your health insurance needs and decide if you would like to add additional coverage to cover things Medicare does not.  

I recommend talking with a local health insurance broker to learn about your options and determine what works best for you.

Tristan Gibbs · Answer

Yes! In order to avoid late enrollment penalties, you should start your enrollment with Parts A and B, as well as determine which pathway is best for you (Medicare Advantage vs. Medicare Supplement.) If you have qualifying group coverage that you will NOT lose after retirement, you may not need or want to enroll in Medicare. A thorough analysis of current coverage vs. your Medicare options is needed to determine what is best for you.

Answered by Tristan Gibbs on April 7, 2026

Broker Licensed in FL

Answered by Tristan Gibbs Medicare Insurance Agent

Emmond Wills · Answer

Yes, when you retire you lose employee coverage, you'll need to activate part B and you will have an 8-month SEP (Special Enrollment Period) to enroll without any penalty. Also, you’ll need your employer to complete Form CMS-L564 (proof of coverage) when you apply for Part B. Then make sure your new plan starts the day after your work coverage ends to avoid gaps.

Answered by Emmond Wills on October 16, 2025

Broker Licensed in TN, AZ, FL & 6 other states

Answered by Emmond Wills Medicare Insurance Agent

Denise Berg · Answer

Yes - you can sign up for Parts A and B 3 months prior to your birthday, the month of your birthday and the 3 months following your birthday. Once you have Parts A & B, you should work with an agent (there is no cost to you) to help you choose your best options, whether it is a Medicare Advantage plan or a Medicare Supplement plan, Hospital plan, Dental, Vision, and/or Hearing coverage.

Answered by Denise Berg on April 2, 2025

Broker Licensed in CO, AL, AZ & 15 other states

Answered by Denise Berg Medicare Insurance Agent

Mark Bilgere · Answer

Unless your company has a retiree health plan or you have TriCare for Life from the military, you will need to enroll in Medicare when you retire to avoid any penalties later on. You will need Parts A, B and D. AN Advantage plan (Part C) or a Medicare Supplement (medigap) are not required however most people chose one or the other to help with the costs of things that Medicare does not cover: Copays, Deductibles, Dental...

Answered by Mark Bilgere on September 1, 2025

Broker Licensed in TX, AR, IN & LA, MN, NE & OK

Answered by Mark Bilgere Medicare Insurance Agent

Marsha Reiniers · Answer

Yes, enrollment in Medicare is not automatic unless you already receive Social Security benefits. Talk to a licensed agent who specializes in Medicare products and can help guide you appropriately. If you have Part A already, you will need to enroll in Part B. You can also get advice from your Benefits Department at work regarding your options with your retirement health coverage and how it might work with Medicare. Timing is everything - don’t wait til the last minute! Talk to an agent now.

Answered by Marsha Reiniers on May 19, 2025

Agent Licensed in FL, GA, MI & NC, PA, SC & VA

Answered by Marsha Reiniers Medicare Insurance Agent

Steven Bleicher · Answer

If you've been happy with the coverage since you turned age 65 and applied for Medicare, then most likely the ONLY aspect of healthcare to review each year surrounds the Rx's that have been newly prescribed OR those which are Brand Name drugs (Tiers 3, 4 and 5) for which the global economy has adversely affected its cost from one year to the next. Please remember that a Part D(rug) plan may be your best choice in one year but not necessarily as good for you in the subsequent years. NOTE: Please read your "ANOC" or the Annual Notice of Change which is mailed to your home every late October/early November. Steve

Answered by Steven Bleicher on March 25, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Samantha Jellison · Answer

If you are already enrolled in Part A and Part B, and you have either a Medicare Supplement with a Prescription Drug Plan (Part D) or a Medicare Advantage with Prescription Drug Plan, there is nothing more to do than to enjoy your retirement!

If you are transitioning from an Employer group insurance plan or you delayed Part B past the age of 65, there will be some additional steps you will need to take. 
This is when it is best to talk to a licensed agent/broker, who can guide you on the next steps in order to make your transition to retirement that much more effortless.

Hannah Skinner · Answer

If you are over 65 and have previously deferred your Part B then you will want to apply for Part B to start when your employer coverage ends. When applying you will need to have your employer benefits person fill out an employer benefits verification form to prove that you had creditable coverage since you turned 65. If you are under 65, then you will want to look at other coverage options until you turn 65.

Answered by Hannah Skinner on July 14, 2025

Broker Licensed in SC, AL, AR & 44 other states

Answered by Hannah Skinner Medicare Insurance Agent

Larry Dalton · Answer

I recommend starting your Medicare Part A & B, six to four months before your 65th birthday. The Medicare system is very slow and prepared for the unknown. Medicare supplement/Medigap or Medicare Advantage plans can be attained three months before your 65th birthday or retirement from a group insurance plan. You can often begin your supplement/Medigap plan before you receive your Part A and B Medicare numbers. All plans will go into effect gently on the first day of the month you turn 65.

Answered by Larry Dalton on March 26, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

Kathryn Zekas · Answer

It depends on several things. Are you still working, and if so, are you covered by a health plan that is considered "creditable coverage"? Also, are you drawing SS already? That will make a difference as to whether your Medicare will be set up automatically or whether you need to request to have it set up. Talk to a good Local Medicare Broker at least 3 months before you retire, and they can help you walk through the process of what you need to do in your situation.

Answered by Kathryn Zekas on May 7, 2025

Broker Licensed in FL

Answered by Kathryn Zekas Medicare Insurance Agent

Priscilla Ramos · Answer

Yes, when you retire, you should:

Check your current coverage and see if it fits your new situation
Decide if you want Original Medicare or a Medicare Advantage plan
Consider adding a Part D (prescription) plan if needed
Enroll or update during your Special Enrollment Period to avoid penalties

It’s a good idea to review your doctors, prescriptions, and budget before your retirement date.

James Wareheim · Answer

Are you at least 65? If so and if you are leaving a group health plan you should enroll in Medicare A and B. From there you should meet with a licensed agent to look at Medicare Supplement plans or Medicare Advantage plans to see what is a good fit. If you just enroll in A and B you need to at least enroll in Part D, drug coverage so you don't get a penalty. Hope this helps.

Answered by James Wareheim on October 20, 2025

Agent Licensed in FL, GA, NC, NV & SC

Answered by James Wareheim Medicare Insurance Agent

Steven Maicus II · Answer

Yes, you need to take action regarding Medicare when you retire. Since you are likely over 65 and planning to retire in 2025, you will have a Special Enrollment Period (SEP). This SEP begins when you retire or lose your employer coverage, whichever happens first. You should enroll in Medicare Part A and Part B during this SEP.

Answered by Steven Maicus II on May 19, 2025

Broker Licensed in NY

Answered by Steven Maicus II Medicare Insurance Agent

Christopher Boyd · Answer

You need to inquire about Long Term Care planning, as you cannot rely on Medicare funding or the Medicaid Spend Down provisions to be pleasant for you or your family. If you are eligible for credible healthcare coverage from your employer, you will most likely not need to inquire into Medicare enrollment until 90 days before you plan to lose group coverage and enroll into Medicare, assuming you are going to be 65 or older or are not under the SSDI provision of automatic Medicare enrollment.

Answered by Christopher Boyd on March 4, 2025

Agent Licensed in IN, KY, MI, OH, PA & TN

Answered by Christopher Boyd Medicare Insurance Agent

Jaye Maxx Alexander II · Answer

Yes! If you are fully retiring from your present employer, you must review your Medicare Part B at least 60 days before your departure so that you don't have a lapse of coverage. You are also entitled to an SEP that allows you to choose an MA or MAPD plan. You must speak with an agent to review all your choices and opportunities.

Answered by Jaye Maxx Alexander II on May 15, 2025

Broker Licensed in NC, AK, AL & 47 other states

Answered by Jaye Maxx Alexander II Medicare Insurance Agent

Bridget Joseph · Answer

If you’re retiring next year, you may need to take action with your Medicare depending on your current coverage. If you have insurance through your employer, you’ll want to plan for enrolling in Medicare when that coverage ends. If you delayed enrollment, you may qualify for a Special Enrollment Period to avoid penalties. Since timing and plan choices can impact your costs and coverage, it’s a good idea to review your options ahead of retirement to ensure a smooth transition.

Answered by Bridget Joseph on April 9, 2026

Agent Licensed in OH, FL, KY, SC, VA & WI

Answered by Bridget Joseph Medicare Insurance Agent

Parris Brady · Answer

If you currently have Medical and/or Drug coverage via your Employer, and you have the option to continue with the insurance after retirement, then you should compare the coverages and cost to Part B and D of Medicare. If you decide to end your employer’s insurance, you will have 63 days to enroll in Medicare (Part B and D). This is assuming that you are already enrolled in Part A of Medicare.

Answered by Parris Brady on August 13, 2025

Broker Licensed in FL, AZ, CA & 18 other states

Answered by Parris Brady Medicare Insurance Agent

Paul Wyatt · Answer

That all depends on what you have currently. A few steps to take would be to make sure your Part A & B are turned on or set to be turned on once you retire. Also make sure you have chosen your secondary insurance path to cover the 20% that Medicare does not cover. That can be either a Medigap plan with a Part D or a Medicare Advantage plan.

Answered by Paul Wyatt on May 19, 2026

Broker Licensed in TN, KY & MS

Answered by Paul Wyatt Medicare Insurance Agent

Helena Foutz · Answer

It depends! How old are you? If you're a younger retiree and will still get health coverage from your employer, stay on that coverage. However, if you have already passed your Medicare Birthday (age 65) and didn't do anything, then you need to get going and apply for Medicare Part A and B. Some people apply for just Part A when they turn 65, so for those with Part A, they just need to apply for Part B and select a plan!

Answered by Helena Foutz on March 4, 2025

Broker Licensed in CA, AK, AR & 13 other states

Answered by Helena Foutz Medicare Insurance Agent

Voss Speros · Answer

Vos Speros here, Greek god of Medicare. Got a little wing problem. I got a question from a prospective client. I'm retiring next year. What do I need to do with my Medicare? So next year when you retire, if you're over 65 and retiring, then yes, you're gonna need to, before you retire, the day you retire, apply for Medicare. So you need to call the Social Security Department or go to socialsecurity.gov to sign up for your Medicare plan. If you didn't go on it already at 65 and you waited till you retired, if you went on Part A already, then you know we're just going on Part B. So you retired, you go on, you request your Medicare, and then if you're gonna take your Social Security, if you're going to retire, you're probably gonna take your Social Security. So we're gonna request that too, and we're gonna go on Medicare and Social Security, and then we'll work on picking a plan to cover the 20% Medicare doesn't cover. So Medicare Advantage plan or Medicare Supplement plan, depending on your area and your lifestyle. So when you're getting close to retirement, that's when we want to sit down and get you enrolled in Original Medicare through the government so you can get a Medicare plan. I hope that helps. If you have questions, give us a call. I hope you have a wonderful day.

Jill Belvin · Answer

If you are retiring and you are 65 or over 65 then yes you do need to apply for Medicare Part A (hospital) and Medicare Part B (doctor) coverage. You may need to apply at age 65 if your group workplace plan is not considered creditable coverage.

Answered by Jill Belvin on March 24, 2025

Agent Licensed in TX, AZ, FL, MI & NJ

Answered by Jill Belvin Medicare Insurance Agent

Greg Giordano · Answer

Yes, if you are retiring next year and plan on leaving your employer coverage, you will need to take steps to enroll in Medicare Part B through Social Security. Medicare Part A, which provides inpatient hospital Coverage, is automatic, while Part B is voluntary and offers outpatient coverage.

Answered by Greg Giordano on August 1, 2025

Broker Licensed in FL, AZ, CO & 15 other states

Answered by Greg Giordano Medicare Insurance Agent

Angela Asadi · Answer

You will need to sign up for part B of Medicare through Social Security. You can sign up three months before you plan on going on Medicare. You can sign up online or you can go to your local Social Security office.

If you have any more questions and would like to speak with me you can contact me.
Angela Asadi

Eizel Mere · Answer

If you already have Medicare, Parts A(hospital), B (Medical) and D (Prescription), there is nothing special to do now, only your Medicare review for Annual Enrollement Period October to December. If you had health insurance through work and only had Part A and maybe Part D you need to enroll in Part B and maybe Part D. You will know if you had Part A only by looking at your card, it will not say Part B.

Answered by Eizel Mere on September 15, 2025

Broker Licensed in FL

Answered by Eizel Mere Medicare Insurance Agent

Fran Lovelace · Answer

Depends if you are just turning 65. If you are going to receive Social Security benefits, you will automatically receive your medicare card. If you are not taking social security, you will need to sign up for Medicare parts A & B. Then contact a seasoned medicare agent to help you determine if you should take a medicare advantage plan or original medicare and a supplement and Rx plan.

Answered by Fran Lovelace on June 27, 2025

Agent Licensed in NC, SC & VA

Answered by Fran Lovelace Medicare Insurance Agent

DeVin LeMay · Answer

Yes — if you’re retiring, make sure you’re enrolled in Medicare Parts A and B to avoid gaps or penalties. You should also review whether a Medigap or Medicare Advantage plan fits your new coverage needs and budget.

Answered by DeVin LeMay on November 3, 2025

Agent Licensed in MA

Answered by DeVin LeMay Medicare Insurance Agent

Gary Church · Answer

Yes! If you are not going to continue working for an employer with 20 or more employees, then yes, you'll need to sign up for your Medicare Part A & B. Make sure you fully understand your options. Work with a licensed Medicare agent who can explain your options.

Answered by Gary Church on September 7, 2025

Broker Licensed in CA, AZ, NV & TX

Answered by Gary Church Medicare Insurance Agent

William Lawler · Answer

If you are retiring and losing your health coverage through work, you need to make sure you enroll in Part B within 60 days so that you mat enroll in a Medicare Advantage or Medigap plan.

Paul Potter · Answer

I recommend you make sure you have your SSA.gov account set up now, if you have not already set it up.

I recommend you start looking at the options that include your doctors and drugs.

3 months before the end of your current coverage, I recommend you apply for Medicare Part A & B.

You can contact or email me if you want help.  

Paul Potter

Lea Ayres · Answer

If you're retiring next year and turning 65, you'll need to sign up for Medicare (Part A and Part B) through Social Security, either online or by contacting your local office, to avoid potential gaps in coverage or penalties.

Answered by Lea Ayres on March 12, 2025

Broker Licensed in PA, CT, MD & 8 other states

Answered by Lea Ayres Medicare Insurance Agent

Jane Baker · Answer

Yes, you need to apply for Part B as early as 3 months before your birthday month.  Go to social security.gov and apply and once Part B is in place shop for a plan that fits you!

Babs Atwell · Answer

If you are or going to be 65+ at the time of retirement, we recommend setting up an appointment with a local agent/broker at least 4 months prior to retiring. A good agent/broker will walk you through all the steps you will need to take to get everything set up for retirement. If you are not yet or not going to be 65 prior to retirement, we recommend setting up an appointment prior to retirement to discuss other health insurance options that will cover you until your Medicare kicks in at 65.

Answered by Babs Atwell on May 1, 2025

Broker Licensed in OH, IN, KY, MI & TX

Answered by Babs Atwell Medicare Insurance Agent

Terri Reagin · Answer

I think it's always a good idea when you're retiring to have a visit with your local agent and discuss any election periods that you might be eligible for. A lot depends on if you're carrying your insurance through your job or if you're solely relying on Medicare now. If you're relying on Medicare already and you're on, say, a Medicare supplement or a Medicare Advantage plan, then no action is required or necessary. But I still recommend always checking in with your local agent and just sitting down to have a chat about it, because there could be special rights that you have depending on your situation with your job.

Amy Chamberlain · Answer

Well this would depend on if you have both Parts A and B. When people are still working and have Group Insurance most do not require you to have Part B. So when you retire then you would have papers to fill out by you and your employer to get your Part B going so you do not have a gap in coverage. This paperwork would be filed with the social security office.

Answered by Amy Chamberlain on March 25, 2025

Agent Licensed in MI & WI

Answered by Amy Chamberlain Medicare Insurance Agent

William Scott · Answer

Yes. If you're retiring next year, you might want to check with your Human Resource department prior to retiring and see if they have health plans for retirees with the current health carrier that covers all of it existing employees. Get an idea what they may have to offer you. Then sort out a short list of Health Insurance Brokers in your area to see what carriers and options they may have to offer you before deciding on the first plan offered.

Answered by William Scott on July 14, 2025

Broker Licensed in GA, CO, NC, OH, SC & TX

Answered by William Scott Medicare Insurance Agent

Shahnaz Razvi · Answer

If you are retiring or moving from Employer group health plans (including the Federal Employees Health Benets(FEHB) program, retiree, or COBRA coverage), or union plans you have no more than 63 days after you retire to find a creditable coverage from medicare or from another creditable source. 

When you join Part B, you'll get a 6 month Medigap open enrollment Period after you turn 65 and retire from the employer.

Kelly Allen · Answer

Yes, two years before you retire, you could have done things to help reduce your Cost with Medicare. I would suggest creating an account on SSA.GOV if you haven't already and familiarize yourself with your account and within six months of turning sixty-five apply for Part A and Part B. I mention Part A (although most people automatically qualify because they have worked and paid into the system for 10 years and or 40 quarters). Never disqualify human error and confirm Part A for yourself as well.

Answered by Kelly Allen on August 9, 2025

Broker Licensed in FL, AR, AZ & 21 other states

Answered by Kelly Allen Medicare Insurance Agent

Mike Alexander · Answer

Yes if you are 65 or older you should apply for medicare on line at www.ssa.gov.
You should do this 3 months before you retirement date.
Once you have applied then you can look at a supplement or advantage plan

Ryan Raphael · Answer

If you are retiring next year and are apart of 20 or more employees, you do not need to do anything with Medicare until you are within 3 months of your retirement date.

Carol Conner · Answer

If you’re retiring, and 65 you should have part A and need to enroll in B and then look at a Medicare supplement or a Medicare advantage plan to help with your out-of-pocket cost. If you’re losing your health coverage, then you definitely need to have part Because you can get penalized if you do not.

Answered by Carol Conner on February 3, 2026

Broker Licensed in TX

Answered by Carol Conner Medicare Insurance Agent

Jason Marshall · Answer

Yes. You would need to activate your Part B if you haven’t already done so. Then you’d need to find a MedicareAdvantage plan that covers your doctors and medicine. Medicare would be your primary coverage as your employer plan would go away.

Answered by Jason Marshall on November 16, 2025

Agent Licensed in CA

Answered by Jason Marshall Medicare Insurance Agent

Mike Henry · Answer

Are you keeping your company benefits. If so just get Part A. If not keeping benefits then file for Part B also. You also need to file for Part D. Medicare advantage is an option also. Just make sure your Dr takes it. Also your hospital

Answered by Mike Henry on June 15, 2025

Agent Licensed in TX

Answered by Mike Henry Medicare Insurance Agent

Diana Muhammad · Answer

Congratulations on your up and coming retirement. Knowing what to do with your Medicare should be of great concern. The question becomes whether or not you will remain covered by your employer for Part B or will you want Part C, in which case you will need to enroll in Parts A & B, Original Medicare. Also, being enrolled in original Medicare qualifies you for Supplemental Plans. You have options. Compare plans and make the decision before retirement, as not to have a lapse on service. Good luck! I am available if you desire further assistance.

Answered by Diana Muhammad on September 23, 2025

Agent Licensed in IL, CA, FL & 8 other states

Answered by Diana Muhammad Medicare Insurance Agent

Melonie Wood · Answer

Someone who is retiring and has Medicare Part A & is still on employer insurance will need to have their employer obtain the employee's Part B. Otherwise they will be unable to get any kind of Medicare Advantage OR Medicare Supplement

Answered by Melonie Wood on March 30, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent

Dean Chiapetto · Answer

If you are 65 or older you will need to go to SSA.gov and sign up for Medicare. Medicare will start on the first day of your birth month unless you were born on the first. In that case it will start the first of the previous month.

Answered by Dean Chiapetto on June 29, 2026

Broker Licensed in VA, MD, NC, TN & WV

Answered by Dean Chiapetto Medicare Insurance Agent

LaNeice Baker · Answer

A few months before your 65 birthday you would get information for your Medicare options. If you are retiring after your 65 birthday then you would have your information on what you will need to add once you retire. Some employers have health plans that will cover you while your still working so you would not be on full Medicare plans (A and B). If that's the case then when you retire you can contact an agent to make sure your in your special enrollment timeframe to set you up with the Medicare plans you will need.

Answered by LaNeice Baker on October 12, 2025

Broker Licensed in NJ, CA, MI & 5 other states

Answered by LaNeice Baker Medicare Insurance Agent

Mark Maliwauki · Answer

You will have 63 days from your last coverage date to enroll in a qualified Medicare plan. This can be a Medicare Supplement or Medicare Advantage plan or Original Medicare with a drug plan.

Michael Wehner · Answer

That depends. If you are on Medicare Part A only or not on Medicare at all because of having employer group coverage, you will need to sign up for Medicare so that you have both Part A and Part B. Once you have your Part A and Part B, you will be able to look at options to help cover what Medicare does not.

Answered by Michael Wehner on January 21, 2026

Agent Licensed in IN, KY, NC, OH, PA & SC

Answered by Michael Wehner Medicare Insurance Agent

Aaron Solomon · Answer

It is important to make to sign up immediately for Part A. Part A is free. If you fail to sign up for
Part A, there is a penalty. You have 90 days from your birthday.  If you are retiring , you can sign up for both Part A and Part B.

Andre Cabral · Answer

If you already have Medicare (and Rx) and it is your only health coverage, you don't have to do anything. If you have an employer's coverage, there are many variables to be considered. It's not a short answer. Consult a licensed agent.

Answered by Andre Cabral on May 15, 2025

Agent Licensed in NJ

Answered by Andre Cabral Medicare Insurance Agent

Daniel Underwood · Answer

When you retire, think about signing up for Medicare during your Initial Enrollment Period to avoid penalties. Also, compare Medicare plans to your employer coverage to find what works best for your health needs and budget.

Answered by Daniel Underwood on August 8, 2025

Broker Licensed in LA

Answered by Daniel Underwood Medicare Insurance Agent

David Cranford · Answer

No, not at present. If you know your retirement date you can start the enrollment process 45 to 60 days before your retirement, providing you are at least 65. If you are under 65 you will need to make short term decisions for your health care options.

Answered by David Cranford on June 16, 2025

Agent Licensed in OK, FL, IL, OH, TN & TX

Answered by David Cranford Medicare Insurance Agent

Loretta Simmons · Answer

If you already have your Medicare A and B. It's important to ensure that you have your new Medicare Advantage plan or Medigap plan applied for prior to your work Insurance being terminated you have 63 days from your last coverage date to enroll in a qualified Medicare Plan

Answered by Loretta Simmons on October 20, 2025

Agent Licensed in OH, CA, FL, LA, NC & NY

Answered by Loretta Simmons Medicare Insurance Agent

Silvana Peacock · Answer

Yes, when you retire you'll need to review your Medicare to make sure you have the right coverage in place. If you've been on employer insurance, you'll want to activate Part B and decide if a Medicare Advantage or
Medigap plan is the best fit for you going forward.
Silvana 🦚
Contact me.

Robert Pennington · Answer

If you’re retiring at age 65, you can apply for Part and B three months prior to your birth month.  This allows time to to get this in place so you can research Medicare Plans.

Brian Krantz · Answer

Yes — you’ll need to enroll to avoid late penalties. The timing matters, so let’s talk ahead of your retirement to make sure everything’s set up right.

Carol Thompson · Answer

Yes Medicare will usually notify you by mail if you are already collecting social
Security. If you are not getting social
Security than you will need to apply for Medicare. An agent can assist with applying.

Charles Borg · Answer

How old will you be next year?y. If you’re going to be 65, then you should register with Medicare. Everyone gets part A automatically, but you should enroll in Part B.

Anthony Albano · Answer

Yes. 90 days before you are ready to retire you will need to apply for Medicare part A & B in most cases. 
I would say it is very important to sit down with a licensed agent at that time to guide you through the process. I’ll be more than happy to help.
Tony Albano

Dorthea Hughes · Answer

Yes, 3 months before your birthday reach out to social security and sign up for Part B. Next, contact an agent and explore your options.

Michael Kim · Answer

Yes. You would need to call Social Security to schedule a call to sign up for your SS benefits along with your Medicare Part A and Part B.

Gregory Dunham · Answer

That depends on your age (are you 65 or older, or do you have a qualifying health condition?) and what type of healthcare coverage you have been receiving.

If you are 65 or older, and leaving a company sponsored healthcare plan, you should review your Medicare options before retiring.

Amy Putrino · Answer

It's never too early to do your homework.   Many individuals approaching Medicare fear that it will be too expensive or not cover them as well as their current coverage.  Taking the time to fact find and gather information can put your fears to rest and help you feel comfortable with your future transition to Medicare.  You can also discuss a timeline for applying for Medicare Part B and other requirements with your trusted Medicare plan advisor.

Christopher Palazzini · Answer

Yes! You need to figure out if you are enrolling into Medicare during your initial enrollment period or will you wait until after and enroll during a SEP and submit additional paperwork to eliminate penalties.

Sherry Rose · Answer

If you are coming off Group Insurance and only have Part A, then yes! 
If you have Part A and Part B and are still coming off group insurance, it is smart to contact us to ensure your Medicare is set up correctly, avoid penalties, and ensure you have credible coverage.

Ron Hamilton · Answer

Not at this point.  You have a total of seven months to enroll.  3 months before your birth month, your birth month and 3 months after your birth month.

I'll be happy to help you sort thing out when you are ready.

Hope this helps.

Kelly Vanzant · Answer

Yes!! You will need to sign up for Medicare A and B. You will need to look at supplements and advantage plans to see which one will best suit you.

Lowana Richardson · Answer

Yes, find an broker who will guide you.  Depending how old you are, if your company had credible coverage, etc.   Start signing up 3 months before age 65,  just a lot of rules, call a broker who costs you nothing and have them guide you through it.  Do not just do nothing - that could mean lifetime penalties

Julie Thompson · Answer

If you turn 65 between now and then or have already you will most likely need to apply for Part B. I strongly suggest you contact an agent now so you will be prepared in advance of your retirement. Some people pay more than the average for Part B and this will be good to know in advance an experienced agent can help you figure this out.

Adriane Williams · Answer

If you are turning 65 and or if you need to secure your healthcare coverage, yes! You can start preparing 3 months out. 

If you are retaining coverage with your prior employer, then no.

Collin McCoy · Answer

That would depend on your age for retirement or if you currently are on Medicare, if you are currently enrolled in Medicare you will not need to make any changes, if you are not you will want to make sure your Part A and B are effective if you will be loosing your employer coverage.

Vachik Chakhbazian · Answer

Yes, if you are retiring next year and are either already 65 or will turn 65 during your retirement, you likely need to enroll in Medicare or take action regarding your existing Medicare coverage. If you are already receiving Social Security benefits, you'll likely be enrolled automatically.

John Motsinger · Answer

It depends on your age but at age 64 and a 1/2 you should always talk to a Medicare specialist like myself so you can decide if you want to enroll in medicare when you turn 65 or if you want to stay on your major medical health insurance until you and or your spouse retire.

Suzanne Lamperti · Answer

Yes, you have to make sure you are signed up for Parts A & B. Also apply for your Medicare Supplement Plan.

Jack Mayer · Answer

Yes you need to contact SSA and your employer of your intentions so that there is a smooth transition with no late penallties

Julie Joyce · Answer

Good  time for a review!  Every year the plans change and your needs and life will probably change once you retire.

Aisha Saleem · Answer

You should start learning about your benefits and options. You should enroll during your enrollment period to avoid penalties.

Gary Haft · Answer

If you are retiring next year - are you turning 65 or are you already 65+.  What you need to do will determine whether you are already on Medicare Part A & B and whether your current insurance is better than what is offered by a Medicare Supplement or is a Medicare Supplement better.

Adam Morillo · Answer

That all depends on what age you are turning and if you plan on activating social security. Typically 6 months before you turn 65 or plan on retiring is when you want to look at your options.

Monique Bascle · Answer

The next step depends on whether you’re already enrolled in Part A and Part B and if you currently have employer coverage. There are specific timelines tied to retirement, and missing them can result in permanent penalties. I’d be happy to review your situation to ensure everything is handled correctly.

Tasha Riggs · Answer

You need to get a Medicare advantage or a Medicare supplemental. You don't want just Medicare. You would be responsible for 20% for all bills with no end in site.

Bud Griffin · Answer

It depends on your age. You can start recieving retirement benefits at 62, but Medicare eligibility is 65 for most seniors not already on Medicare due to a qualifying disibility.

Andrew Zurbuch, MBA · Answer

Yes, call Social Security and arrange a meeting regarding your Medicare eligibility. Ask questions. You need 40 credits to qualify for Medicare. Please then consult with a Broker. Thank you.

Barbara Scott · Answer

Question: Have you applied for Part A and B yet? If not apply and get a letter of creditable coverage form you current employer.
Pick a good agent and look at reviews! The best one is me, of course. Contact me.
Read up on the process so you do not feel so lost. Knowledge is power, a great tool is Medicare, and your handbook from CMS.

Karen Boudreaux · Answer

It depends on if you qualify for Medicare. And if you do and you were on your company’s insurance, you have to apply for part B if you are on your companies insurance, you have a special election. Even if you’re after the age of 65.

Christine Brewer · Answer

If you’re retiring next year, you may need to **enroll in Medicare or adjust your coverage** so it coordinates properly with the end of your employer health plan and avoids penalties. Planning ahead ensures a smooth transition and the coverage that best fits your needs.

📞  **Contact your trusted agent Christine today** to review your options and get ready for retirement with confidence.

Lakisha Bryant · Answer

It depends on your age. Did you take Part A and delay Part B because you kept your health insurance on the job? Contact a local agent to help guide you in this process.

Lt Col Tim Brown · Answer

Yes, Medicare alone is not great insurance.  You need either a Med Sup or a Medicare Advantage plan so that you have really good coverage. 

Tim Brow 
Contact me.

Jim Tretola · Answer

Make sure you follow the rules, so as not to get hit with penalties. There are specific times and number of days that you must apply and get your Medicare Card with both Parts A and B active.
Your independent Broker  ( like myself) can advise you.

Joseph Peck · Answer

Its best to look into it early so they know what to expect and when so there is a game plan. Want to start early due to the fact that we are dealing with the government and if there is something else needed we can get it taken care of with no last minute surprises.

Bobbi Lincoln · Answer

You need to make sure that you actively sign up because it’s not a guaranteed sign up when you retire or turn 65 in order to avoid penalties you need to make sure that you sign up during the annual open enrollment period of October 15 to December 7

Michael Brady · Answer

Medicare should be just fine. Questions are are you using your work insurance for other things Example (Dental,Vision). if you are you might want to look at other options. Tradtional Medicare  only covers medical.

Lynn Mut · Answer

Timing with Medicare can be tricking.  It's always best to review with an agent to find out the ins and outs with Medicare.

There are different guidelines for people who are still working and already 65 vs just turning 65.  There is a lot to unpack with this question.

Setting an appointment with an agent to review with you is always and highly recommended.

Russell Scott · Answer

Everyone approaching age 65 should be aware of what they should and shouldn't do as it pertains to enrolling in Medicare.   You should educate yourself on your rights and options and seek a reputable agent in your area who can answer questions about your unique situation.

Michael Gilman · Answer

Retiring is one of those moments where it really helps to sit down with someone who can look at your current coverage, your medications, and your doctors and make sure everything transitions smoothly. A little planning now saves a lot of headaches later.

Robert Baez · Answer

Are you already 65 years old? Are you still employed with health benefits? Do you have Medicare Part A? Reach out to me so I can help you with specifics.

Nikki Rowland · Answer

This could have multiple answers depending on your situation. Are you already on Medicare?  Are you on employer coverage currently?  Are you able to keep that plan?  Is the coverage better than Medicare? etc.... When it comes to Medicare, there are so many variables that come into play.  Its never the same for each person.

Ken Banks · Answer

Yes, make sure you have applied for it because sometimes it doesn't automatically start as you would think. Once you get it start give me a call and it'll be a pleasure to serve you.

Shelly Hefley · Answer

YES - you need to talk to a financial planner like myself to be sure your insurance is compliant and to determine if you need part B or not.

Juliette Chihade · Answer

This is a great questions. 
It all depend on your situation. 
Are you 65 years old, or not.
Will you loose health coverage through the employer?
If you are already 65, did you enroll in Part B?

Daniel Brechin · Answer

You should receive your Medicare card from Social Security 90 days prior to the month you will be eligible for Medicare.
You are not supposed receive a call from someone licensed with a Medicare Program.  I encourage everyone not to work with these criminals.  You must have ask for his call.

Randall Taylor · Answer

There can be many variables to considers. Contact a qualified Medicare Specialist. I (and I think most) offer free consultations.

Charlie Fitzgerald · Answer

Potentially, yes.  Speaking with a licensed agent will provide you with the information necessary to make the necessary and appropriate decisions.

Jeffrey Simpson · Answer

Yes, contact me to line up next steps for Medicare and SS registration. Not doing so may cause penalties and/or reduced income if not done in a timely, and knowledgeable, manner.

LaShonda Smith · Answer

It depends on if you will be in the group plan after you retire or if you want Medicare. Please get in touch with me. and I can help you.

Russel Coley · Answer

That is a personal preference. However, if you qualify for Medicare, looking into it could be well worth your time. Let me help you for a zero consultation fee.

Jonathan DuPree · Answer

Nope, not at all, just make sure you keep in touch with you're agent every October. Reason is because things change every year in the health industry. Stay updated.

Leslie Helene Sussman · Answer

Yes if you are 65 and / or Medicare eligible please contact a Medicare broker to review options.

Ed Gonzales · Answer

Congratulations on your retirement! Thank you for having the confidence in us to answer your questions. Are you currently on Medicare?

Gary Liesemeyer · Answer

Everyone's situation can be different.  I have been able to advise my clients how to best find the solution that works for them.

Donald Baker · Answer

If you will be starting social security you can apply for Medicare at that time, if you  are 65 or older. If you will not be starting Social security you will need to apply for Medicare.