Do I need to enroll in Medicare if I work past 65?

No, you are not required to enroll in Medicare if you work past 65 and have health insurance through your employer. However, there are some important things to consider:

• Part A: You are automatically eligible for Medicare Part A (hospital insurance) when you turn 65, regardless of your employment status. Part A is typically free if you have paid Medicare taxes while working.
• Part B: You are also eligible for Medicare Part B (medical insurance) when you turn 65, but you need to enroll to get it. Part B has a monthly premium, and if you delay enrolling, you will face a late enrollment penalty if you sign up later.
• Employer coverage: If your employer has 20 or more employees, they are generally required to offer you and your spouse the same health insurance coverage that they offer to younger employees. In this case, you can delay enrolling in Medicare Part B as long as you have employer coverage. However, if you lose your employer coverage, you will have a limited time to sign up for Medicare Part B without a penalty.
• Retiree coverage: Some employers offer retiree health insurance coverage. This coverage may work with Medicare, but it's important to carefully review the details of your plan to understand how it coordinates with Medicare. Ultimately, the decision of when to enroll in Medicare is a personal one. If you would like to discuss your options Click Here and a licensed agent will be in contact