Updated: Nov 24
If you are still working when you turn age 65 and are covered under a large group insurance plan (over 20 lives), you may want to defer signing up for Medicare. A large group plan is primary (which would pay first) to Medicare. If you are covered under a small group plan (under 20 lives) then Medicare is Primary to the group plan. In this instance you’d want to sign up for Original Medicare A & B.
There are several factors that come into play relating to benefits if you are still working at age 65, so it’s best to consult with an insurance agent who understands the ins and outs of Medicare. Doing so will undoubtedly produce less frustration and save you time and money. Learn more about Medicare here.