If you are still working and have employer health insurance, you can delay Medicare Part B without penalty. However, if you enroll in Medicare Part B, you can also enroll in Medicare Supplement. An independent agent can help you coordinate Medicare with employer coverage.
Key Points
- Still working with employer insurance: can delay Medicare Part B
- Enroll in Medicare Part B: can also enroll in Medicare Supplement
- Coordination of benefits: Medicare and employer insurance work together
- An independent agent can help you coordinate Medicare with employer coverage
- COBRA: not considered creditable coverage for Medicare purposes