Medicare & Employer Coverage

Turning 65 doesn’t always mean you have to leave your employer’s health insurance. Many people keep working and stay on their company plan, while others may retire and wonder how Medicare fits in. I’m Jake McGeoy, your local Medicare agent, and I’ll help you make sense of your options so you don’t overpay or miss important coverage.

Do You Need Medicare if You Have Employer Coverage?

The answer depends on the size of your employer:

Large Employers (20+ employees)
- Your employer plan usually pays first, and Medicare is secondary.
- You can delay enrolling in Part B without penalty if you’re covered by your job or your spouse’s job.
Small Employers (fewer than 20 employees)
- Medicare usually pays first, and the employer plan is secondary.
- In this case, you generally need to enroll in Medicare Parts A and B when you turn 65 to avoid gaps in coverage.

Why Enroll in Medicare If You’re Still Working?

Even if you’re covered at work, Medicare Part A (hospital insurance) is usually free, so most people enroll right away.
Part B and Part D depend on your situation:

If your employer coverage is strong and affordable, you may delay.
If your costs are high or drug coverage is limited, enrolling in Medicare could save you money.

Medicare & COBRA

If you leave your job and elect COBRA, remember: COBRA is not the same as active employer coverage.

You generally must sign up for Medicare during your Initial Enrollment Period.
If you wait and rely on COBRA alone, you may face late enrollment penalties later.

Steps to Coordinate Coverage

When I work with clients, I:

Review your employer plan side by side with Medicare.
Check whether your drug coverage is “creditable” (meets Medicare’s standards).
Make sure you don’t accidentally pay for overlapping coverage you don’t need.
Guide you on the best time to transition from employer insurance to full Medicare.

Let’s Simplify This Together

Navigating employer coverage and Medicare can be tricky, but you don’t have to figure it out alone.

📞 Call Jake McGeoy at 443-797-3923 and I’ll help you coordinate your coverage so you’re fully protected — without paying for more than you need.