Home / Medicare / Group Medicare
Medicare

Coordinating Medicare with employer coverage for those still working.

Turning 65 while still working raises real questions about how Medicare interacts with your employer’s group health plan. We help sort out what to enroll in and when.

Get a Quote
The Basics

How Medicare works alongside employer coverage.

If you or your spouse are still working at 65 with employer coverage, whether Medicare should be your primary or secondary coverage depends on the size of the employer and other specific factors.

Getting this coordination wrong can lead to gaps in coverage or unnecessary costs, which is why it’s worth a conversation before your 65th birthday rather than after.

  • Clarifies whether Medicare or your group plan pays first
  • Helps avoid gaps in coverage during the transition
  • Guidance on whether to delay Medicare enrollment
  • Support for employers offering group coverage to Medicare-eligible employees

Common Questions We Help Answer

  • • Do I need to enroll in Medicare now?
  • • Will I face a penalty if I wait?
  • • Which coverage pays first?
  • • What happens when I do retire?
How We Help

Coordinating Medicare and group coverage

Primary/Secondary Determination

Clarifying which plan, Medicare or your group plan, pays first.

Enrollment Timing

Guidance on whether to enroll in Medicare now or use a Special Enrollment Period later.

Penalty Avoidance

Helping you avoid late enrollment penalties tied to delaying Medicare inappropriately.

Employer Plan Comparison

Comparing your group coverage against Medicare options to see which makes more sense.

Retirement Transition

Planning your Medicare enrollment for when you do eventually retire.

Spousal Coverage

Sorting out coverage timing when one spouse is still working and the other isn’t.

Common Questions

Group Medicare FAQs

Do I have to enroll in Medicare if I’m still working at 65?
Not necessarily. If your employer has 20 or more employees, you can often delay Medicare enrollment without penalty while you have qualifying employer coverage.
What happens to my group coverage when I retire?
You’ll generally need to enroll in Medicare around your retirement date to avoid a coverage gap, and we can help time that transition.
Will I face a penalty for enrolling in Medicare late?
It depends on your specific situation and employer size. We’ll help confirm whether you’re in a safe position to delay enrollment.

Let’s talk about your group medicare coverage.

Belgrade-based advisors who know Montana risk, ready to help.

Get a Quote