It is more and more common for people to keep working beyond age 65 due to their employer-sponsored insurance. Senior65 generally recommends those over 65 delay enrolling in Medicare Part B if they are offered coverage through work (including spouse’s work). We all want to stay clear of paying Medicare late-enrollment penalties while avoiding gaps in coverage. This is where Senior65 comes in to make sense of it all.

When Can I Enroll in Medicare Part B if I have Employer’s Insurance?

There are two main times when you can enroll in part B when you are over 65 and covered by your employer’s insurance:

  • While your work coverage is still active
  • During the eight month period after your employer-based coverage ends or the employment ends, whichever occurs first.

Can my Medicare Part B Enrollment Start the Day my Work Coverage Ends?

Yes, you should be able to enroll in your Medicare Part B a few months in advance and select a future Part B start date. That way you can time it that when your work coverage ends, your Medicare Part B (and any supplemental or drug coverage you may purchase) all start at the same time. You should not have a gap when your work coverage has ended but your Medicare has yet to begin.

How do I enroll in Medicare Part B if I have Employer’s Insurance?

To enroll in Medicare Part B, you can contact the Social Security Administration at 1-800-772-1213 or you can access Social Security online here.

Part B Triggers Medigap, Medicare Advantage and Part D enrollment window

After you have enrolled in Part B, you should seriously consider getting a Medigap Plan, Medicare Advantage and Part D drug plan, as your Medicare Part A and Part B will only cover you so far. Since you are coming off your work coverage, you will be allowed a 63 day special enrollment period to get extra coverage. Should you miss this window you may be subject to penalties, waiting periods or medical underwriting.

Next Steps

You can Get a Quote here to know how much it would cost. We have helped thousands of people enroll in Medigap so if you are planning to do so, please do not hesitate to call us!

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