Determine when it’s right for you to enroll
Talk to a licensed Florida Blue Medicare agent to discuss the best
time to enroll in Medicare if you:
• Plan to retire at age 65 or are not working
• Plan to continue working past 65 and you are currently covered by an employer-provided group health plan
What if I’m still working?
Depending on your situation as you turn 65, you may or may not have to enroll in Medicare.
1. Save some money.
If you have an individual health plan, a Medicare plan could help you save
money on your care expenses.
If you have health insurance through your employer, a Medicare plan
could work with your employer-sponsored coverage. Check with your
benefits administrator to see if it makes sense for you to sign up for Original
Medicare (Parts A and B) in addition to the coverage you get already.
2. Start with basic coverage.
Many people who choose to work past age 65 enroll only in
Part A because there is no monthly premium. Some choose to enroll in
both Parts A and B together (Original Medicare). However, Part B comes
with a monthly premium based on your income, so many don’t enroll in
Part B until they lose their employer-sponsored coverage.
3. Is enrollment required?
Most people are not required to enroll in Medicare when they turn 65.
Check with your benefits administrator to see if your employer requires you
to enroll in Medicare Parts A and B. Your or your spouse’s employer may
require you to enroll in Parts A and B in order to keep group-sponsored
coverage. This may happen if you are retired or if you or your spouse is
actively working, you have group coverage through your/your spouse’s
employer, and the employer has fewer than 20 employees ( 100 if you’re
eligible for Medicare due to disability).