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.
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.
Local Medicare help you can verify.
Meet our licensed advisors or read client feedback on Google while the live review feed is unavailable.
FAQ
Frequently asked Medicare questions
Browse all Medicare FAQsWhen is my Initial Enrollment Period?
It generally begins three months before the month you turn 65, includes your birthday month, and ends three months after it. If your birthday is on the first day of a month, the timing shifts one month earlier.
Will Medicare enrollment happen automatically?
It generally happens automatically if you are already receiving Social Security or Railroad Retirement benefits. If you are not receiving those benefits, you will usually need to apply through Social Security.
Can I delay Part B while I keep employer coverage?
Sometimes. Coverage based on current employment may qualify you for a Special Enrollment Period, but employer size and the type of coverage matter. COBRA and retiree coverage generally do not count as current-employment coverage for this purpose.
Can you help me compare Medicare Advantage and Supplement plans?
Yes. We review how each path affects doctors, prescriptions, premiums, copays, travel, and yearly exposure so you can compare tradeoffs clearly.
Can I keep my doctors when I enroll in Medicare?
It depends on the coverage path. With Original Medicare, confirm that each provider accepts Medicare. With Medicare Advantage, confirm the exact plan network, medical group, referral rules, and hospital relationships.
Do I need Part D if I do not take prescriptions?
Many people still consider Part D unless they have other creditable drug coverage. Going without creditable coverage can lead to a late-enrollment penalty if drug coverage is added later.
How does Skyline Benefit get paid?
Insurance companies generally pay Skyline Benefit a commission as an independent broker. You pay the same price for coverage whether you work with us or buy a plan on your own, so our help is available at no extra cost to you.
Is my personal data secure and confidential?
Yes. We use your information only to help review coverage options, enrollment needs, and service questions. Our team follows our Privacy and Data handling procedures.
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.