Can you get Medicare if you are still working?

Asked by: Ramona Jacobs  |  Last update: March 13, 2025
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While working, you may enroll in Medicare Part A by applying online with SSA, contacting SSA at 1 (800) 772-1213, or by visiting your local Social Security office.

Is it a good idea to get Medicare if you're still working at 65?

If your or your spouse's employer has 20 or more employees and a group health plan, you don't have to sign up for Medicare at 65. But if you get Medicare Part A for free, typically you should sign up. (After all, it's free.) In some cases, Medicare Part A may cover what your employer plan doesn't.

What are the three requirements for Medicare?

Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) are available to the individuals below:
  • Age 65 or older.
  • Disabled.
  • End-Stage Renal Disease (ESRD)

Do you have to pay for Medicare if you are still working?

Medicare Part A is usually premium-free for most people, so you could opt to enroll in only Part A while still working. However, if you have a health savings account (HSA), be aware that once you enroll in any part of Medicare you cannot continue to make contributions to your HSA.

Does everyone have to pay $170 a month for Medicare?

Original Medicare is made up of two parts: A and B. Medicare Part A (pays for hospital stays) is usually free, but almost everyone has to pay $185 per month for Medicare Part B (pays for medical care).

Medicare: Why you need to sign up when you're 65, even if you're still working

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What makes you ineligible for Medicare?

Who is Eligible for Medicare? You are eligible for Medicare if you are a citizen of the United States or have been a legal resident for at least 5 years and: You are age 65 or older and you or your spouse has worked for at least 10 years (or 40 quarters) in Medicare-covered employment.

What are the 6 things Medicare doesn't cover?

Some of the items and services Medicare doesn't cover include:
  • Eye exams (for prescription eyeglasses)
  • Long-term care.
  • Cosmetic surgery.
  • Massage therapy.
  • Routine physical exams.
  • Hearing aids and exams for fitting them.

Is Medicare free at age 65?

People age 65 or older, who are citizens or permanent residents of the United States, are eligible for Medicare Part A. You're eligible for Part A at no cost at age 65 if 1 of the following applies: You receive or are eligible to receive benefits from Social Security or the Railroad Retirement Board (RRB).

Can you decline employer health insurance and get Medicare?

For example, you may be able to: Drop your employer coverage and enroll in Original Medicare, Part A and Part B. If you take this route, you might want to think about signing up for prescription drug coverage under Medicare Part D, and/or buying a Medicare Supplement Insurance plan.

Does Medicare cover dental?

In most cases, Medicare doesn't cover dental services like routine cleanings, fillings, tooth extractions, or items like dentures.

Can I work full time while on Medicare?

Are you required to have Medicare, and can you work full time while on Medicare? In short, you're not required to have Medicare and you can still work full time while on Medicare Part A. However, delaying enrollment may come with a penalty when you do enroll later than your Medicare Initial Enrollment Period (IEP).

Does Social Security count as income for Medicare?

In situations where you have Social Security payments in conjunction with an income that meets the tax filing limitations, only the income will be counted toward your total when being considered for income-related medical benefits.

Why is Social Security no longer paying Medicare Part B?

There could be several reasons why Social Security stopped withholding your Medicare Part B premium. One common reason is that your income has exceeded the threshold for premium assistance. Another reason could be that there was a mistake or error in your records.

How much will Medicare Part B cost in 2025 for seniors?

The Centers for Medicare & Medicaid Services (CMS) has announced that the standard monthly Part B premium will be $185.00 in 2025, an increase of $10.30 from $174.70 in 2024.

Who qualifies for an extra $144 added to their Social Security?

To qualify for a Medicare giveback benefit, you must be enrolled in Medicare Part A and B. You must be responsible for paying the Part B Premiums; you should not rely on state government or other local assistance for your Part B premiums.

Why would someone be denied for Medicare?

Reasons for Medicare coverage denial

A person has a Medicare Advantage plan, and they use a doctor who is outside of the plan network. The Medicare Part D prescription drug plan's formulary does not include the medication. The beneficiary has reached the maximum number of allowed days in a hospital or care facility.

How do you lose eligibility for Medicare?

What Can Cause You to Lose Your Medicare Coverage?
  1. Failure to Pay for Premiums. ...
  2. Medicare Fraud or “Disruptive Behavior” ...
  3. Lying on Your Plan's Application. ...
  4. Moving Outside of Your Coverage Zone. ...
  5. When You No Longer Have Qualifying Disability. ...
  6. Your Plan Was Changed or Discontinued.

Is Medicare Part D mandatory?

Enrollment in Part D is generally voluntary, however, some people are required to be enrolled, and others should not enroll.

What is the best secondary insurance if you have Medicare?

The best Medicare supplement plan providers
  • Best for extra plan benefits: Humana.
  • Best for straightforward coverage: State Farm.
  • Best for extensive medical care coverage: AARP by UnitedHealthcare.
  • Best for a range of Medigap plans: Blue Cross Blue Shield.

Is the Medicare age changing to 67?

After it was fully phased-in in 2036, the retirement age would remain at 67. Under Social Security, the retirement age will be fully phased in to 67 by 2027. Since 1965, when Medicare was originally enacted, life expectancy has increased by over four years and is projected to continue to increase.