Below is a short video from CMS (Centers for Medicare and Medicaid Services) about the Medicare Enrollment Periods. The explanation is straightforward but one item they fail to make clear is Part B enrollment if you plan to work past 65.

Whether you need to sign up for Part B while you are still employed will depend on the number of people that work for your employer. If your employer employees more that 20 people your group coverage will be the primary insurer and therefore you do not need to sign up for Part B. As stated in the video you will have a special enrollment period once you retire and will be able to sign up for Part B without any penalty.

However if your employer employees fewer than 20 people Medicare is now the primary insurer and you should enroll in Medicare when you are first eligible. When Medicare is the primary insurer that means that Medicare pays before your employer’s group plan pays. If you have not signed up for part B your employer’s group plan can refuse to cover you for care that Medicare would have covered leaving you responsible for paying the cost out of pocket.

As you can see, Medicare has different rules that apply to different situations and that makes Medicare confusing. Call or email me with your questions or concerns. There is never a charge for my services and you are under no obligation to use them. I specialize in Medicare products and represent all Medicare Supplement Plan types.

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