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In many cases, you can. This depends on how many employees your employer or your spouse’s employer has (if you’re covered under your spouse’s plan). For employers who have 20 or more employees, you can delay Medicare enrollment and wait until your coverage ends before obtaining a policy.
Once your employer coverage ends, you have eight months to sign up for Medicare without incurring penalties.
For employers with fewer than 20 employees, you’ll need to sign up to avoid late enrollment penalties. Late enrollment penalties work differently depending on the type of plan you choose. These are the plans within Medicare, durations of penalty payments, and how those penalties are calculated:
When you have both, your two policies will help cover your expenses in an order instead of both at once. The policy that pays first is the primary payer, and the one that pays second is the secondary payer. Here is how this works based on the number of employees your employer has:
IMPORTANT NOTICE FOR MEDICARE SALES CALLS
Due to large amount of deceptive television commercials regarding Medicare health plans, new regulations and disclosures are now required to prevent misleading information and provide Medicare beneficiaries with greater clarity and understanding of products being offered.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
