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Turning 65

Updated: Jul 21, 2022

Medicare is not a one-size- fits all program.

Some people who are turning 65 should enroll in Medicare & some people who are turning 65 shouldn’t enroll in Medicare.

How do you know which camp you’re in?

If you are still working (and let’s be honest most people are working past 65) and are on an Employer Health Plan you may not need to enroll in Medicare.

The key is knowing if you’re being offered Creditable Coverage, which means that your Employer insurance is as good as Medicare.

If your employer is unable to provide you with a letter stating that you are enrolled in Creditable Insurance, then you should enroll in Medicare.

If your employer can provide you with a Letter of Creditable Coverage, then you don’t have to enroll in Medicare.

At that point, you’ll want to run the numbers to see if what you are being offered is as good and cost effective as Medicare, because many times Medicare is cheaper and better than Employer Health Plans.

If your Employer’s Health Plan is good enough that you don’t have to enroll in Medicare you should still enroll in Part A (the Hospital portion of Medicare) because it is free if you’ve worked 10 years, & there is no downside to enrolling in it.

It may even end up giving you extra coverage above and beyond your Employer’s Health Plan.

If you have any questions about whether to enroll in Medicare or not feel free to contact me, I'll be happy to help you figure it out!

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