You are eligible for Medicare even if you will continue working after age 65. However, you may have the option of delaying Medicare enrollment if your employer-provided health plan meets some requirements.
It is important to understand how Medicare works with your employer-provided insurance so you can make a smart decision about your health care coverage. Here are tips to help you get the information you need.
If your employer-provided plan is not creditable coverage, you will need to enroll in Medicare when you are first eligible to avoid late enrollment penalties.
You may be able to enroll in Medicare and stay on your employer-provided health plan. In that case, Medicare will be considered secondary insurance. Primary insurance is the plan that will be billed first for medical services. Secondary insurance pays some or all of the costs that are not covered by primary insurance.
If your employer-provided health plan is considered creditable coverage, you can disenroll from Medicare and enroll in the other plan.
When you stop working again, you will be able to re-enroll in Medicare without any penalties – as long as you sign up within your enrollment period.
If you are self-employed and you get your health care benefits through a Marketplace plan, you will need to enroll in Medicare.
You may have the option to keep your Marketplace plan as secondary coverage. However, having Medicare can impact the tax credits and savings offered by a Marketplace plan. Talk to your accountant to be sure you understand how enrolling in Medicare will impact your finances.
If you have delayed Medicare enrollment, there are some important things to do to prepare for your Medicare Enrollment once you are ready to retire.
Contact Banner Medicare so we can answer any questions you may have and even help you enroll.
Call (888) 788-1931 (TTY 711) to speak with a licensed sales agent.
Use our online form to have a licensed sales agent contact you.
Have questions or need help enrolling?
Call (833) 516-1007 (TTY 711) to speak with a licensed sales agent.
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