Medicare After Age 65

Leaving Your Employer Group Coverage?

Did you miss your Initial Enrollment Period for Medicare when you were first eligible at age 65 because you were still covered through your (or your spouse’s) employer group health plan?

Don’t worry! There is a Special Enrollment Period to sign up for Medicare Part A and/or Part B anytime, as long as:

  • You or your spouse (or family member if you’re disabled) is working
  • You are covered by a group health plan through the employer or union based on that work

You also have an 8 month Special Enrollment Period to sign up for Part A and/or Part B that starts at one of these two times:

  • The month after employment ends
  • The month after group health insurance based on current employment ends

You usually won’t pay a Late Enrollment Penalty if you sign up during your Special Enrollment Period. 

So how do you get started?

We will walk you through the necessary steps and Social Security forms required to successfully transition from your creditable employer group coverage to Medicare. When you work with one of our licensed agents, we will put together a plan of action so you can be enrolled with Medicare and any other suitable coverage by your desired effective date.

Important Information on Creditable Coverage

Please note, COBRA and Retiree Health Plans are not considered coverage based on current employment. You will not be eligible for a Special Enrollment Period when this coverage ends. This Special Enrollment Period also does not apply to people who are eligible for Medicare based on a diagnosis of End-Stage Renal Disease (ESRD).

If you or your spouse are considering retirement or simply leaving your employer group health plan in the near future, contact us today!

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