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En español | Do you have coverage from another source in addition to Medicare? AARP’s Medicare Question and Answer Tool is a starting point to guide you through how Medicare works with other health coverage.




Employer Sponsored Coverage Q & A Home


Q. Do I have to enroll in Medicare if I continue to have health coverage after age 65 from my own or my spouse’s employer?

A: No — if the employer has 20 or more employees. Probably — if the employer has fewer than 20 workers. — Read Full Answer




COBRA Q & A Home


Q. I’m about to retire. My employer has offered me 18 months of COBRA coverage. Can I delay signing up for Medicare until the COBRA runs out?

A: No, you can’t delay Medicare enrollment until COBRA expires — not without facing a gap in coverage and late penalties. — Read Full Answer




Prescription Drug Q & A Home


Q: I have prescription drug coverage from my former employer. Will I be able to keep it or will Medicare make me drop it?

A: Check with your former employer or union to see how their coverage works with Medicare. — Read Full Answer


Q: What if I have prescription drug coverage from a former employer or union? Do I still have to enroll in a Medicare Part D plan?

A: Check with your former employer or union to see how their coverage works with Medicare. — Read Full Answer


Q: I have “creditable” prescription drug coverage through my former employer. What is meant by creditable coverage?

A: Prescription drug plans are considered "creditable" when they meet or exceed the Centers for Medicare and Medicaid Services (CMS) Standard Medicare Part D prescription drug plan. — Read Full Answer






Q: I am enrolled in a health benefit program through my federal retirement. I also have TRICARE (formerly CHAMPUS) as my secondary insurance. Do both these coverages drop when I become eligible for Medicare?

A: Check with your federal health benefits administrator and TRICARE to find out whether that coverage changes when you become eligible for Medicare, and how their benefits will be coordinated with Medicare. — Read Full Answer


Q: If I have TRICARE, do I need to have Part D?

A: Generally, if you have TRICARE, you don’t need to enroll in Medicare Part D. — Read Full Answer




Veterans Q & A Home


Q. I am a veteran with health care coverage from the VA system. How does this work with Medicare? Do I need Medicare as well?

A: The VA does not require you to enroll in Medicare but suggests that there are strong reasons you should. — Read Full Answer


Q. I get my prescriptions filled through the VA. Do I need Medicare Part D prescription drug coverage as well?

A: You are not required to take Part D coverage.  But having drug coverage from both the VA and Part D gives you more choice and convenience. — Read Full Answer




Indian Health Service Q & A Home

Q. If I receive health care from the Indian Health Service, do I need to enroll in Medicare?

A: Yes, you are required to sign up for Medicare Parts A and B, though not necessarily for Part D.— Read Full Answer




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