Still Working Past 65?
If you or your spouse are still working and covered by an employer plan, you may be able to delay parts of Medicare without penalty — or it may make sense to enroll now. The right move depends on your employer's size and your coverage. We'll help you decide.
Enroll now, or delay?
The answer often hinges on how many employees your company has and how your current plan works with Medicare. Getting it wrong can mean penalties or gaps in coverage — getting it right can save you money and hassle.
- Employer size (20+ vs. under 20) changes the rules
- Many people still enroll in premium-free Part A
- Special Enrollment Periods can let you delay Part B penalty-free
- We coordinate Medicare with your employer or COBRA coverage
- We plan your transition for when you eventually retire
Making the right call
Compare your options
We weigh your employer plan against Medicare — premiums, deductibles and coverage side by side.
Protect against penalties
We confirm whether your current coverage is "creditable" so you avoid late penalties later.
Plan your retirement transition
When you do retire, we time your Medicare enrollment so there's no gap in coverage.
Not sure whether to enroll or wait?
Book a free call — we'll review your employer coverage and give you a clear recommendation.