Employer size matters

If you or a spouse is still working and the employer has 20 or more employees, you may be able to delay Part B and enroll later during a Special Enrollment Period. Smaller employers follow different rules. Ask the benefits office for the rule that applies to you, in writing.

Part A is often still in play

Many people take premium-free Part A at 65 even if they delay Part B. Enrolling in Part A can affect Health Savings Account contributions. Confirm with the HSA administrator and Social Security before you enroll.

For Part D, coverage Medicare treats as at least as good as standard drug coverage. That can let you delay Part D without a late penalty. Part B delay depends on group coverage from current work. Get either answer in writing. drug coverage

If the employer plan’s drug coverage is For Part D, coverage Medicare treats as at least as good as standard drug coverage. That can let you delay Part D without a late penalty. Part B delay depends on group coverage from current work. Get either answer in writing. (as good as Medicare’s standard Part D, on average), you may delay Part D without a penalty. Ask for the annual For Part D, coverage Medicare treats as at least as good as standard drug coverage. That can let you delay Part D without a late penalty. Part B delay depends on group coverage from current work. Get either answer in writing.-coverage notice. Marketplace (ACA) plans are generally not a substitute after you are eligible for Medicare.

Start with the worksheet

The still-working worksheet asks about the job, the employer, and Part B. It does not tell you to delay. If the job has ended and COBRA is the offer, read COBRA vs Medicare at 65. If you have an HSA, use the HSA stop date before Part A starts. Confirm both with the employer and with Social Security.