Confirm employer size
Coverage from an employer with 20 or more employees often coordinates differently than coverage from a smaller employer. Confirm how the plan pays before deciding.
Medicare and employer coverage
Still Working at 65? Don’t Enroll or Delay on Autopilot.
The right Medicare timing depends on employer size, who carries the coverage, drug coverage, cost, and whether you contribute to an HSA.
What we’ll sort out
- Whether your employer plan lets you delay Part B
- How Medicare coordinates with employer coverage
- HSA contribution timing before Medicare begins
- What creates a Special Enrollment Period later
Compare the full cost
Look at payroll deductions, deductibles, family coverage, prescriptions, and provider access alongside Medicare, not premium alone.
Protect your enrollment rights
COBRA and retiree coverage do not create the same Part B enrollment protections as active employment coverage. Document your dates before leaving work.
One-on-one Medicare guidance