What If I’m Still Covered at Work?

You can keep the health plan you have and enroll in Medicare when you retire.

  • If you keep medical coverage through your job and wait to get Part B, you’ll have 8 months from when you retire to add Part B without a penalty. When you’re ready to add Part B coverage, contact your local Social Security office.
  • If you keep getting drug coverage through your job, you won’t pay a penalty if you add Part D later.

It’s important to talk to your employer before choosing to stay on your group plan or enroll in Medicare.