Working past age 65? Medicare operates a bit differently.

Let’s explore the key points: ⁠

Enrollment Considerations:

Part A (Hospital Insurance): If you don’t have to pay a premium for Part A, you can sign up when you turn 65 or later.

Part B (Medical Insurance): You may need to enroll in Part B if:

Your employer has fewer than 20 employees.

You’re covered by your spouse’s employer, and they require dependents to enroll in Medicare at 65.

You’re in a domestic partnership and covered by your partner’s employer health insurance.

Health Savings Account (HSA): If you contribute to an HSA, stop 6 months before retiring to avoid tax penalties.For more on HSA, see article here https://protect.com/insurance/auto

Retiree Coverage: Check if your employer offers supplemental plans or Medicare Advantage plans.

Coverage Options:

Part A: Covers hospital stays and is usually premium-free.

Part B: Covers doctor visits and outpatient care; has a monthly premium.

Part C (Medicare Advantage): Combines A and B with additional coverage.

Part D: Covers prescription drugs.

Enrollment Timing:

Initial Enrollment Period: Begins 3 months before your 65th birthday and ends 3 months after.

Sign up for Part A during this period.

Delaying Part A or B could cause gaps in coverage or late enrollment penalties.

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