10/09/2026
💡 Fun Fact Friday: Medicare Edition!
Turning 65 doesn't necessarily mean you have to enroll in Medicare right away!
If you or your spouse are actively working and you're covered by an employer group health plan, the size of the employer can make a big difference:
👥 20 or more employees: The employer plan generally pays first and Medicare pays second when coverage is based on current employment. You may be able to delay Medicare Part B without a late enrollment penalty.
👤 Fewer than 20 employees: Medicare generally pays first once you're eligible, and the employer plan pays second. In this situation, enrolling in Medicare Parts A and B at 65 may be especially important.
💊 Part D has different rules: You may be able to delay Part D without penalty if your current prescription drug coverage is considered creditable (expected to pay, on average, at least as much as Medicare's standard prescription drug coverage).
⚠️ COBRA and retiree coverage follow different rules and generally do not allow you to delay Part B without potential consequences. However, you may be able to delay Part D if the prescription coverage is considered creditable.
✅ Knowing how your employer coverage works with Medicare before you turn 65 can help you avoid unexpected coverage gaps or penalties.
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For educational purposes only. Not affiliated with or endorsed by the U.S. government or Federal Medicare program.
