COBRA is not “still working”
While you or a spouse is still working, a large employer’s group plan can sometimes let you delay Part B. COBRA starts after that job-based coverage ends. Those two situations are not the same. Treating COBRA as if you were still employed is a common way people get a lifetime Part B late-enrollment penalty.
If you are turning 65 and were offered COBRA
Enroll in Part A and, in most cases, Part B during your Initial Enrollment Period unless you still have coverage from a current employer with 20 or more employees. A COBRA packet in the mail does not replace that window. Confirm with Social Security before you skip Part B.
If you already have Medicare and then leave a job
When current employer coverage ends, a Part B Special Enrollment Period typically runs eight months from the month after that coverage ends. Months on COBRA usually do not add extra time. Sign up for Part B in that window if you delayed it while working.
If you keep both
If you have Medicare and COBRA at the same time, Medicare is generally primary on covered services and COBRA is secondary. That can still be useful for amounts Medicare does not pay. It is not a reason to skip Medicare. Ask the COBRA administrator how they coordinate with Medicare.
Use the worksheet
The COBRA vs Medicare worksheet walks through turning 65, leaving a job after 65, or already being on COBRA. It does not enroll you. Confirm dates with Social Security and on Medicare.gov.
Common questions
- Can I delay Part B because I have COBRA?
- Generally no. COBRA is not current employer coverage for the Part B Special Enrollment Period. Confirm with Social Security before you skip Part B.
- If I have both, who pays first?
- Medicare is usually first on covered services; COBRA is second. Ask the COBRA administrator.
Worksheet
COBRA vs Medicare at 65
COBRA is not the same as current employer coverage. Delaying Part B for COBRA can mean a penalty.