Over 65 and Not Yet Enrolled in Medicare
Licensed in the State of NY and PA
Serving clients since 2009
Top-rated licensed insurance experts
Do You Need Medicare?
- Certain time frames must be followed in order to avoid late-enrollment penalties once you stop working, or if you work beyond age 65
- When your employer coverage ends, or when you retire or stop working at or beyond age 65, you should generally opt in to Medicare Part A, as there is no premium if you or your spouse contributed to Medicare payroll taxes for 10 years. If you want medical coverage, you would also need to enroll in Medicare Part B, regardless of whether your employer offers COBRA
If you work beyond age 65 for an employer with less than 20 employees and you did not enroll in Part B when you
turned 65, your monthly Part B premium increases 10% for each 12-month period you were eligible.
Signing Up for Medicare
You can sign up for Medicare online
When to Sign Up for Medicare
Between January 1—March 31 each year
- You can sign up for Part A and/or Part B during the General Enrollment Period between January 1—March 31 each year if both of these apply:
- You aren’t eligible for a Special Enrollment Period (see below).