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Do You Need Medicare?

There are specific rules to follow if you are over 65 and not yet enrolled in 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.

For example, if you work at a company with 13 employees and do not sign up for Part B until you are 67, your Part B premium would increase by 20%.

Signing Up for Medicare

You can sign up for Medicare online

Some people may be automatically enrolled in Medicare when they turn 65 — if they meet certain conditions.
If you aren’t automatically enrolled, you can enroll online in just a few minutes.
Simply fill out a Medicare application through the Social Security website.

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 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).
You must pay premiums for Part A and/or Part B. Your coverage will start July 1. You may have to pay a higher premium for late enrollment in Part A and/or a higher premium for late enrollment in Part B.

Need more information?

if you have concerns or questions about your Medicare enrollment and options, a licensed insurance agent can help you compare plans and get you enrolled in one that works for you.

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Everything You Wanted to Know About Medicare

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