Should I Enroll In Medicare If I Am Still Working?
You may want to enroll in Medicare Part A only and not enroll in Medicare Part B. Medicare Part A covers you if you are an in-patient in the hospital or in a Skilled Nursing Facility for rehabilitation.
Once you are 65, you have the choice of staying on your employer coverage or going on full Medicare. This is a decision you must make yourself. Your employer is prohibited by federal law from encouraging you to leave their coverage and go on full Medicare. However, it is often the right choice financially and healthwise for you to go on full Medicare.
You will also be able to enroll in a Medicare Part D drug plan without penalty because you will have a two-month Special Election Period due to losing the drug coverage with your employer plan.
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