If you are receiving social security benefits before the age of 65, you will be automatically enrolled in Medicare parts A and B. If you are not receiving social security and you want to enroll in Medicare, you will need to apply through Social Security.

If your employer has 20 or more employees, generally you can choose to delay Medicare enrollment, drop your employer coverage for Medicare, or have both Medicare and employer coverage.

If your employer has fewer than 20 employees, generally you will need to enroll in Medicare during your Initial Enrollment Period, because Medicare would become the primary payer.

If you have health coverage through a spouse's employer, you may be able to delay, or you may need to enroll at age 65. We can help you determine the best option for you.

Medicare Part A is usually premium-free, so you could opt to enroll in only Part A while still working. However, if you have a Health Savings Account (HSA), be aware that once you enroll in any part of Medicare you cannot continue to make contributions to your HSA.

Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that may let you keep your employer/group health plan. In general, it is a health plan offered by an employer or employee organization that provides health coverage to employees and their families.

COBRA is not normally considered to be creditable coverage for Medicare major medical benefits, so people who are enrolled in COBRA and do not enroll in Medicare Part B within 8 months of turning 65 could face Part B late enrollment penalties.

If you are receiving social security benefits before the age of 65, you will be automatically enrolled in Medicare parts A and B. If you are not receiving social security and you want to enroll in Medicare, you will need to apply through Social Security.

If your employer has 20 or more employees, generally you can choose to delay Medicare enrollment, drop your employer coverage for Medicare, or have both Medicare and employer coverage.

If your employer has fewer than 20 employees, generally you will need to enroll in Medicare during your Initial Enrollment Period, because Medicare would become the primary payer.

If you have health coverage through a spouse's employer, you may be able to delay, or you may need to enroll at age 65. We can help you determine the best option for you.

Medicare Part A is usually premium-free, so you could opt to enroll in only Part A while still working. However, if you have a Health Savings Account (HSA), be aware that once you enroll in any part of Medicare you cannot continue to make contributions to your HSA.

Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that may let you keep your employer/group health plan. In general, it is a health plan offered by an employer or employee organization that provides health coverage to employees and their families.

COBRA is not normally considered to be creditable coverage for Medicare major medical benefits, so people who are enrolled in COBRA and do not enroll in Medicare Part B within 8 months of turning 65 could face Part B late enrollment penalties.