Working Past 65? DON'T Enroll in Medicare Until You Watch This! ⚠️

Описание: Still working at 65? Your employer size determines whether you MUST enroll in Medicare—make the wrong choice and face penalties!

🏢 LARGE EMPLOYER (20+ employees):

Can delay Part B without penalty if you have group coverage

🏢 SMALL EMPLOYER (Less than 20):

Medicare becomes PRIMARY at 65—must enroll in Part B to avoid penalties and gaps!

💡 PART A: Free and most enroll while working, BUT delay if contributing to an HSA

⏰ SPECIAL ENROLLMENT: 8-month window to enroll in Part B penalty-free after you stop working or lose coverage

🚨 MUST DO BEFORE DELAYING:

✅ Check with your HR department
✅ Call Medicare to confirm you're in the clear

Every situation is different! Don't risk penalties—get expert guidance.

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DISCLAIMER: Benefits Insider is not a government website or agency. We are not associated with the USDA, SSA or any other entity of the U.S. Federal Government. We are a private company that provides information about government assistance benefits. This content is for informational and educational purposes only.

Our content is not legal advice. Please consult legal counsel before making any decision with your benefits. The information provided is based on over 15+ years worth of experience and research on government benefits.

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Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.