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If you are 65 and you or your spouse are still working, you can delay signing up for medicare without paying a late enrollment penalty Medicare is the federal health insurance program that covers people age 65 and older, as well as some younger people with disabilities or specific health conditions. If you don’t have to pay a part a premium, you.

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In this case, you may not need to apply for medicare part b at age 65 Yes, when you turn 65, you can sign up for medicare even if you’re still working and have health insurance through your employer You may qualify for a special enrollment period and be able to delay signing up for medicare part b without a late enrollment penalty.

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Ask the employer that provides your health insurance if you need to sign up for part a (hospital insurance) and part b (medical insurance) when you turn 65

Regardless of your employment status, it makes sense to enroll in medicare part a as soon as you become eligible As medicare part b requires seniors to pay a premium, you may wish to delay enrollment if you have group insurance Thus, you can keep medicare and employer coverage. If a person has health insurance through their employer, they may not need to enroll in medicare when they turn 65 years old

However, it’s important to verify this with the company’s. “you can wait to sign up for medicare part a until you retire or lose your employer health insurance, but there’s no downside for signing up as soon as you turn 65.” Check whether your spouse’s employer plan requires you, as a covered dependent, to enroll in medicare when you turn 65 If the employer says that you don’t have to enroll in medicare, get the response in writing.

After you have enrolled in part b, you should seriously consider getting a medigap plan, medicare advantage and part d drug plan, as your medicare part a and part b will only cover you so far.

A person (or a person’s spouse) with group health coverage through a current employer may be able to delay enrolling in part a and part b until that coverage ends, and won’t face penalties.