I’m Turning 65 and Still Working. Do I Need Medicare?

If you are still working, is it necessary to sign up for Medicare?

This is a frequent question, and one that everyone who is working beyond age 65 needs to understand.

There is lots of good information out there. The Medicare website is just one of them. In general, if you’re age 65 or over, still working and covered by a group health plan from your employer, you might not need Medicare Part B right away. It is recommended that you check with your employer and Medicare to find out how Medicare works with other insurance coverages you may have.

For anyone turning 65 soon and considering Medicare enrollment (working or not), keep in mind the following:

There is a seven-month period during which you can enroll in Medicare:

– During the three months before your 65th birthday

– During the month of your 65th birthday

– During the three months after your 65th birthday

The best time to sign up for Medicare is three months before your 65th birthday. You should receive a Medicare card about two months before you turn age 65. Your coverage will begin at age 65.

Original Medicare has two parts – Part A and B. Part A covers hospitalization, and is usually free to new enrollees. This is because you paid taxes through payroll during your working years that went toward Part A. Part B, though has a monthly premium that you will start paying once enrolled. In 2022, the basic monthly premium is $170.10. Depending on your income, it may be higher.

Be sure to refer to the Medicare website for updates and cost information.


This article was updated in January 2022.


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