Medicare Toolbox / Your Medicare Advisor

Should I Enroll In Medicare if I am Currently Employed?

medicare-1By – Melanie Recchion

Depending on the type of coverage you have from your employer, you may have to enroll in Medicare Part B, even if you are still working. Here are a few important things to consider.

  • Medicare Part A (Hospital) is premium free, if you or your spouse has worked 10 years or 40 quarters in your lifetime. Since there is no premium associated with Part A, most people choose to enroll when they first become eligible. You may enroll in premium-free Part A anytime after you become eligible.
  • Medicare Part B (Medical) comes with a monthly premium of $121.80 in 2016. You are automatically enrolled in Medicare Parts A & B when you enroll in Medicare. You do have the option to turn down Part B, but should carefully consider doing so.
  • When considering delaying Part B coverage, there are two things you should confirm. First, you must ensure you have active coverage from a current employer (or spouse’s current employer). The next thing you should know is whether your current employer coverage pays first and Medicare second or the other way around. For instance, delay Part B only if your current coverage does not change the way it currently pays after you qualify for Medicare.
  • If your employer coverage only pays after Medicare (usually companies with less than 20 employees), you should enroll in Medicare Part B. If Medicare pays first and you fail to enroll, your employer coverage can reduce or refuse to pay for your healthcare expenses.

To find out how your employer coverage works, speaking to someone in the benefits department is usually the best place to begin. Once you have received the necessary information, calling a trusted, licensed AMAC agent can help you on your journey into Medicare.

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What happens, if I am under my spouse’s medical insurance and he turns 65 and has to enroll in Medicare B, which will become primary, but I will not turn 65 for several years? Am I covered as I have been or would my coverage change to what he is?


The article left out important information for the ignorant like me. What are the requirements for how old I must be or may be to sign up for Medicare? How do I sign up? Since I am in a healthcare sharing group I don’t need to rely on Medicare, but if belonging would help save the group money I need to know more about how it works. Could the author provide links to “everything you need to know about Medicare”?

Gerald Brannon

If I am 65 and still working Should I enroll for Medicare If I have not enrolled in Social Security

William Chesson

Is there a salary cap One reaches before being penalized by Medicare? If so, then what is it?

Steve kustok

Currently employed and receiving health benefits from them. Would there be any benefit to starting medicare at this point.

John Guest

I recently turned 65 (March 2017) and signed up only for Medicare Part A. I am working full time and planned to sign up to Medicare Part B when I retire from employment. However, my current insurance coverage comes from my previous employment with the federal government and it appears I am retired per my insurance carrier (Blue Cross FEP). Please provide advice. Thanks


I am 66 yoa, and empolyed full-time. Medical insurance is provided by my employer for my spouse and I. I will retire at the end of November 30, 2017, and my spouse and I will lose my employer’s medical insurance. Everyone tells me that my spouse and I will need Medicare and a Medicare supplement on December 1. How and when can/should my spouse and I enroll in Medicare A & B?


DO NOT, I repeat DO NOT sign up for Medicare if you are fully covered by your company’s insurance AND have a company sponsored HSA. You will lose your rights to contribute to the HSA and will lose any benefits the company may contribute to it. Trust me… it’s the law!


I have been on Social Security since age 62. My husband carries my insurance, and they cover everything before Social Security kicks in so neither of us is using Medicare at this point.. My husband will be retiring next August at age 67. He is already enrolled in Social Security but has not used it. I will turn 65 in July. If I sign up right now during the “enrollment period”, will I be charged monthly for it even though I don’t need it until August or do I wait to sign up when I will be starting to use it?

Wayne Clendening

I am 65 and still covered under my group plan at work. I was advised not to enroll in Medicare until I retire. I was also told I would be penalized if I sign up now in the form of additional taxes. I want to make the right decision and not miss out on something I’ve paid for for 47 years of my working life