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.
A: No — if the employer has 20 or more employees. Probably — if the employer has fewer than 20 workers. — Read Full Answer
A: No, if you’re not formally married you can’t delay Part B enrollment without penalty, except in some limited circumstances. — Read Full Answer
A: Part B enrollment is not compulsory. You don’t need to sign up if you don’t want to. But if you change your mind at a later date, Medicare will always cost you far more than if you sign up at 65. — Read Full Answer
A: No, you can’t delay Medicare enrollment until COBRA expires — not without facing a gap in coverage and late penalties. — Read Full Answer
A: Under IRS rules, you cannot contribute to a health savings account (HSA) at work in any month that you are enrolled in any part of Medicare. But there are steps you can take to keep your HSA without being penalized. — Read Full Answer
A: You always have the option to keep other drug coverage you may have instead of taking Part D. But to avoid late penalties you need to find out whether the employer coverage is “creditable.” — Read Full Answer
Q: I am a federal employee and will continue to work for the government after I turn 65, with health care coverage from the Federal Employees Health Benefits Program (FEHB). Do I have to do anything about Medicare?
A: No, not yet. Like other people who work for large employers after age 65, you can delay signing up for Medicare until you retire. If you’re married and your FEHB plan covers your spouse, he or she can also delay Medicare enrollment until your employment ends. — Read Full Answer
Q: I will be retiring soon from my job in the federal government. I will continue to receive good health coverage from the Federal Employees Health Benefits Program (FEHB). So do I need Medicare Part B?
A: The FEHB program does not require you to sign up for Medicare Part B, but you may want to consider some factors before making the decision. — Read Full Answer
A: No, you need not sign up for Part B while you’re still on active duty in one of the U.S. military services. — Read Full Answer
A: Medicare becomes your primary health insurance and TRICARE For Life becomes supplemental coverage that wraps around Medicare benefits. So you must sign up with Medicare in order to maintain eligibility for TFL. — Read Full Answer
A: The VA does not require you to enroll in Medicare but suggests that there are strong reasons you should. — Read Full Answer
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
Q. I will soon retire and I’ll be eligible for three types of health insurance: TRICARE For Life due to my service in the military; retiree benefits from my current employer; and Medicare. How will these work together?
A: In this specific situation, Medicare pays first, the retiree plan second, and TFL third.— Read Full Answer
A: Yes, you are required to sign up for Medicare Parts A and B, though not necessarily for Part D.— Read Full Answer
A: Eligibility for Medicaid depends entirely on your income, according to the rules of your state. If you still qualify for Medicaid when you become eligible for Medicare, you’ll have both at the same time.— Read Full Answer