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What if I have Medicare then Return to Work?

Can you leave employer's insurance to get Medicare for a second time?

by Ray Wilson+ on Mar 26, 2019 | 4 Comments

To add up to the Medicare confusion comes this question, “What happens if I enroll in Medicare, then go back to work using my employer’s insurance, then leave work again?” Well the answer is more simple than it sounds. It follows the same rule as if you had left work coverage after turning 65. You get a Special Enrollment Period which you can use to enroll back into Medicare.

Special Enrollment Period for Enrolling back into Medicare after leaving work coverage.

Medicare’s Special Enrollment Period will grant you two full months to enroll in Medicare after leaving your employer’s insurance even if you already had Medicare previously. Even better, you will not have to pay any late-enrollment fees or penalties. You may also want to get a Medigap Plan (Medicare Supplement), for which you will have 63 days and guaranteed issuance, meaning the insurance companies have to approve your application.

Plain Language Recap

You can leave your Medicare, Medicare Advantage, Medigap, and/or Drug coverage, go back to a plan offered by your work and then return to Medicare, Medigap and Drug plan with no penalties or waiting period and Medical-based approval.  When you are ready to come back to Medicare and supplemental coverage, make sure you do so within 63 days of leaving your new work coverage. Oh and make sure you call Senior65 to help you enroll in your new plan. Our number is 800-930-7956.



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Reader Comments and Questions

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By foster on July 23, 2019

If I return to work at 68 and the work offers insurance plan should I enroll or just stay on medicare I already have a supplemental insurance to my medicare. Who pays primary my supplemental or medicare. If did not take out company insurance.

Should you stay on Medicare with a Medigap plan or go on your new companies insurance plan depends on what coverage your company is offering. Give us a call and we can help you compare the two.
-Chris at

By Evangeline on July 17, 2019

I’m 69 yrs old only have Medicare Part A. Now, I’m going back to work again. What will be best for me, get the group health insurance from my employer or enroll in Medicare supplemental. Thank you.

It really depends on what coverage is offered through work and how much cost-share they expect of you. Please give us a call and we can discuss your options.
-Chris from

By Sara on April 17, 2019

What happens when a 72 year worker retires and gets on medicare and then returns to active work status 14 days later? Assume he does not want to go back on the employers high deductible plan? Will he medicare premiums increase?

Hello Sara,
If the person doesn't enroll in the employer's plan but continues on Medicare, the Medicare premiums should not be affected. If your income increases, however, Medicare may increase your part B premium.
-Chris from

By Daniel on March 30, 2019

wow this makes my decision a lot easier if I can just go back to medicare after leaving work again!

It is actually very convenient. Don't hesitate to reach out to us to get a Medigap plan when you're back in Medicare.
-Chris from

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PLEASE NOTE: We cannot comment on specific Medicare claims. Contact Medicare directly if you are trying to see if your issue is covered.


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