Do you have to sign up for Medicare if you have employer health insurance?
But if you’re still working at 65, and you have coverage under a group health plan through an employer with 20 employees or more, then you don’t have to enroll in Medicare right now.
But if your employer has less than 20 employees, you need to take Medicare Parts A and B, because that will be your primary insurance..
Do I need Medicare Part B if I have employer insurance?
Many people ask if they should sign up for Medicare Part B when they have other insurance or private insurance. At a large employer with 20 or more employees, your employer plan is primary. Medicare is secondary, so you can delay Part B until you retired if you want to.
Is it better to use Medicare or private insurance?
Medicare is preferable over private insurance for some people, possibly due to the cost. Typically, Medicare costs less than private insurance. However, if a person’s employer covers their premiums, this can offset the costs.
Can you have Medicare and employer insurance at the same time?
Medicare pays secondary if the insurance is from current work at a company with more than 20 employees. … You will have a Special Enrollment Period (SEP) to enroll in Medicare at any point while covered by the employer plan or up to eight months after the first month you are without that employer coverage.
Can I have both Medicare Part B and employer coverage?
Medicare and Employer Coverage – Small Companies under 20 Employees. Medicare is primary if you are age 65 or older and your employer has fewer than 20 employees. You will need both Part A & B for sure because Medicare will pay first, and then your group insurance will pay secondary.