The Great American Expedition Sweeps—Enter Now

A nurse discusses Medicare coverage with her patients.

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 at age 65 even if I am still working and have coverage through my job?

A: Some people don’t need Medicare because they are still covered by an employer’s plan or their spouse’s health plan. However, if you do not join Medicare when you are first eligible and you are not covered under another health care plan, you will have a late enrollment penalty for your Medicare coverage if you enroll later. — Read Full Answer




COBRA Q & A Home


Q: Can I have COBRA coverage and Medicare at the same time?

A: It depends on which plan you have first. Generally, if you already have COBRA when you enroll in Medicare, your COBRA coverage usually ends on the date you enroll in Medicare. — 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: How does Medicare work with coverage for veterans?

A: Because each veteran’s situation is unique, you should carefully review your options. — Read Full Answer


Q: Can I have both veterans benefits and Medicare Part D?

A: Yes, if you qualify, you can get prescription drug coverage through the U.S. Department of Veterans Affairs (VA) program. — Read Full Answer




Indian Health Service Q & A Home

Q: If I have Medicare, can I still get my prescription drugs through the Indian Health Service?

A: Yes, you can continue getting your drugs through the Indian Health Service. — Read Full Answer




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