Working Past Age 65, How (And When) to Enroll in Medicare When You Retire

More and more people are working past age 65, and if you choose to delay Medicare while you continue working, there are a different set of rules that apply when you choose to enroll in Medicare using your Part B Special Enrollment Period. This video breaks down how and when to enroll in Medicare when you retire, and we also share some important tips to help you avoid Medicare penalties and headaches!

If you want to submit forms to Social Security (either in person or mail in to your local SS office):

📜 Chapters
00:00 Intro
01:00 Working Past Age 65
02:26 When to enroll in Medicare post-employment
03:19 Ways of enrolling Medicare
04:50 Apply Online
06:25 Bonus Tip
07:22 End

[digit]

If you have an HSA qualified health plan, wouldn't signing up for part A make you ineligible for HSA contributions? Wondering if this may be a reason to delay signing up for part A as well.

[kiritpatel]

thank u for updating us, turning 65 years age, making easy for us .we dont need to be obligated by young ones to be educated in this subject .GOD BLESS YOU,

[KS-wnvc]

You are the only resource I've found to give the address for on-line applications to medicare part b. Thank you so much!!! I will be contacting you in the near future for a Medigap plan. I love you and your concise videos!!!

[jumex-hjqq]

thank you stephanie!!!! for your wonderfull presentation, easy to understand and to the

[moonhopper]

Hey Stephanie. Thank you so much for these videos. They really help me out in explaining Medicare topics to clients.

[GeinahG]

Oh my gosh! Thank you so much for this video. The step-by-step instructions for filing on the Medicare website made it an accomplishable task…even for a non tech savvy person like me.
Saved the docs showing drug coverage per your suggestion, too.
Now, to figure out the MA vs. supplement🤨

[AReese-euzs]

I’ve learned so much from your channel. This particular video explained my approaching dilemma; well, what I thought was a dilemma. Thank you for wise consult!

[nonglouie]

This video is a gem and gives great advice,

[cookingwithcuyandotherfuns]

Great info, Stephanie. Love your videos. About 1 year out from 65. My wife and I both work but I carry our healthcare for both of us thru my employer. Would we only need to submit one letter/form of healthcare insurability signed by my employer? Thank you!

[jimmonroe]

Great video...very informative.
I recently turned 66 and still working. I am planning on retiring within the first quarter of 2022 and debating on whether or not to just move over to a Medicare Advantage plan starting Jan 1 (Medicare Part B +). Do I still an proof of my employer medical coverage if I do this clean break at year end? The cost I am paying through my employer appears to be higher than Medicare costs.

[atravelinman]

Stephanie, the production value and content on your videos is excellent. Have a question: On spouse's GHP, no HSA, low deductibles with 20+ employees--not collecting SS. Applying for Part A only--assuming that's the right thing to do. Does Medicare automatically become secondary or is there something in the application I have to be aware of to make this choice or prove this scenario? GHP is excellent plan with vision and prescriptions and do not want that to be affected in any way..

[avflyguy]

Can you also purchase the Supplemental plan during SPE?
Do you know how successful arguing about a 1 yr skew in adjusted gross income? IIRMA: and who to go to to discuss the unusual 1 time situation that kicked AGI Fed Income Tax to a mid 6 digit figure?

[marksiegmann]

Thank you very much for the videos. I have not been able to see one that covers retired but still covered under employer plan. I recently retired and am under my OPM health insurance plan. Applying for Medicare the question is 'Are you covered under a Group Health Plan?' I checked yes. Then 'Are you covered under a GHP through your current employer?' I checked no. I am retired. Next 'Are you covered under another persons employment?' I checked no. It did not like my answers. Is my past employers covered health plan no longer considered a GHP because I'm retired. Thank you in advance.

[cathypotter]

Stephanie, great information. One topic I would like to hear about is how you TURN DOWN part A & B, until you are ready to ENROLL, since a spouse is still covered by my employer insurance? Because if my husband starts taking his retirement benefits, I think he'll automatically get enrolled into PART A (and maybe Part B), so we don't want to enroll I those yet. How dod you communicate to Social security that you don't want Part A and B? thank you so much.

[dfgriggs]

Thanks for your helpful videos, and especially for the chapter divisions. Just a technical suggestion - there's a fair amount of echo in the recordings, and having a microphone close to your mouth would eliminate part of that and make them a bit easier to listen to.

[carolynthomas]

I am on SS now. I am on peers retirement and I am paying for my on full coverage insurance until I turn 65 in August 2023.When should I stop paying full coverage insurance and get other insurance with Medicare. I understand from your other videos. I will get Medicare on August 1st.

[laurelthompson]

Stephanie, you make it sound all so simple. How is it possible that you and the folks a SS could be so out of sync?
Several people at Social Security on chat and on phone including two people who were supervisors, told me that under no circumstances could I apply for Medicare part B on line IF I was already signed up for part A. They told me that my on line application would would be trashed. So after waiting 60 days for some kind of response indicating my acceptance in part B, I gave up and started over and faxed in another application.

[gerardguinane]

Great videos! If you have a Medicare Supplement Plan G, are you covered for the normal charges associated with an annual physical, understanding that Medicare only covers an annual wellness visit?

Thank you

[wrdr]

Related question: When if ever do I stop paying OASDI and Medicare taxes? I'm 64, and recently put on LTD along with SSDI. as only sources of income.

[dougwalton]

At what time should you enroll in Medicare relative to your retirement date?