Current work
Working past 65
Medicare and employer coverage
Still working? Confirm how Medicare and active employer coverage fit together before you delay, cancel, or change anything.
Before you delay Part B
First, identify the coverage you have today.
Before you delay Part B, identify who provides your coverage today, whether it is based on current employment, and when it is expected to end.
Drug coverage
Keep the creditable-coverage notice
The employer plan can tell you whether its prescription coverage is creditable for Part D purposes.End date
Document the employment and coverage dates
Those dates matter when you ask Medicare or Social Security about a Part B Special Enrollment Period.Bring these details
A few employer-plan facts make the Medicare timing clearer.
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Your employer benefits contactAsk for a written explanation of whether coverage is based on current employment and when it ends.
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Your plan summary and drug-coverage noticeKeep the plan card, Summary of Benefits, and any creditable-coverage notice together.
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Your coverage end dateThe employment and coverage-end dates are key details for any Part B Special Enrollment Period question.
Related employer guidance
Review the employer side of Medicare coordination.
Employers and benefits administrators can review payer order, employer-size thresholds, Part D creditable coverage, and HSA coordination from the group-plan perspective.
Personal Medicare guidance
Need help sorting out Medicare and employer coverage?
Share the basic employer-coverage details. A licensed Skyline Benefit advisor can help you prepare plan-comparison questions after Social Security or Medicare confirms your enrollment timing.
- Current employer, COBRA, retiree, or spouse coverage
- Coverage-end date and who-pays-first questions
- Part B timing and plan-comparison questions
Tell us about your employer coverage.
No obligation. Please do not include Medicare, Social Security, or medical information.
From our clients
Trusted Medicare guidance from a local team.
Clear Medicare guidance, in our clients’ words.
Clients consistently mention clear explanations and a simpler comparison process.
“David made things very easy to understand and the process was effortless.”
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FAQ
Frequently asked Medicare questions
Browse all Medicare FAQsDo I need to enroll in Medicare at 65 if I am still working?
It depends on who is actively employed, the employer size, how the group plan coordinates with Medicare, and whether you contribute to an HSA. Review the rules before delaying Part B or Part D.
Which coverage pays first: Medicare or the employer plan?
For Medicare based on age, Medicare generally pays first when the current employer has fewer than 20 employees, while an employer plan generally pays first at employers with 20 or more employees. Different coordination rules can apply because of disability, ESRD, or other circumstances.
Does COBRA count as active employer coverage for delaying Part B?
Generally, no. COBRA is continuation coverage, not coverage based on current employment for the Part B Special Enrollment Period. Waiting for COBRA to end can create a coverage gap or late-enrollment penalty.
Medicare disclosure
Skyline Benefit is an independent insurance agency and is not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent 11 organizations which offer 58 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.