The answer to this question depends on your unique situation. Generally, if you are employed and actively working, you may not be required to enroll in Medicare Part A or Part B when you turn 65. However, certain employment situations may still require you to enroll in either or both parts of Medicare. 

Number of employees

If your current employer has 20 or more employees and provides you with group health insurance, then you will not be required to sign up for Medicare Part A or Part B. However, if your current employer has fewer than 20 employees, then it is recommended that you enroll in both parts of Medicare when you turn 65. Additionally, if your employer provides coverage but it only covers part of your health care costs, then you may still be required to enroll in Medicare Part A and/or Part B in order to receive full coverage benefits.

If you are unsure of your specific situation, it is recommended that you speak with us for more detailed information regarding the rules and regulations surrounding Medicare enrollment.  

Possible penalties

Finally, if you are still employed at age 65 and decide to delay your enrollment in Medicare Part A or Part B, there may be financial penalties that apply. You should also be aware that if you choose to begin taking Social Security benefits prior to enrolling in Medicare, then it is possible that your employer could end your coverage.

Know the rules

It is important to thoroughly research your options prior to making any decisions related to Medicare enrollment. There are also special rules for individuals who are covered by military service or civil service retirement benefits, as well as those eligible for Railroad Retirement Board benefits. Additionally, regardless of your work or coverage situation, it is important to remember that Medicare does not cover all health care costs and supplemental insurance may be necessary in order to receive full benefits. 

Always consult a professional

Ultimately, it is always best to speak with a qualified professional like Hilgerman Insurance Solutions prior to making any decisions related to Medicare enrollment. Our agency can research all of your options thoroughly before enrolling in Medicare and make an informed decision based on your specific situation. 

Hilgerman Insurance Solutions of Camarillo is an independent insurance agency that specializes in the senior market, while offering health insurance solutions for small businesses and individuals. We are contracted with most of the top insurance providers to offer you plans that best suit your needs, all with personal hands-on service and support. 

Our commitment is to provide expertise, friendly service along with a timely response. Please feel free to contact us today for a quote and/or no cost consultation.   

Hilgerman Insurance Solutions
(805) 279-5482
deb@hilgermanins.com  
www.hilgermanins.com