Medicare When Working Past 65 FAQ

 You first become eligible to enroll in Medicare  around age 65. But if you plan to keep working or have employer health  coverage through a spouse, you have some options to consider before  signing up for Medicare. Here you'll find the resources and tools you  need to help learn about your Medicare enrollment options, and to make  confident decisions about getting or delaying Medicare coverage. 

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 Even if you plan to keep working, you still have a 7-month Initial Enrollment Period (IEP) when you turn 65.

 If you qualify to delay both Medicare Parts A  & B, you can do so without penalty as long as you enroll within  eight months of either losing your (or your spouse's) employer coverage  or ceasing to work, whichever comes first. You will enroll during a  Special Enrollment Period and will need to also provide written proof of  creditable drug coverage to avoid Part D penalties. 

 Medicare Part A is usually premium-free for most  people, so you could opt to enroll in only Part A while still working.  However, if you have a health savings account (HSA), be aware that once  you enroll in any part of Medicare you cannot continue to make  contributions to your HSA. 

 You don't need to provide notice that you'd like  to delay enrolling unless you're receiving Social Security or Railroad  Retirement Board benefits. If you are receiving either, you'll be  automatically enrolled in Medicare Parts A & B when you turn 65, and  you'll need to let Social Security know you wish to delay Part B. By  law though, if you receive Social Security benefits and are eligible for  Medicare, you must also have Medicare Part A.