Can you work and be on Medicare Part B?
Asked by: Bradley Kulas V | Last update: November 10, 2025Score: 4.9/5 (45 votes)
Do I have to pay for Medicare Part B if I am still working?
No if you have employer insurance you can avoid taking on part B as long as you like to age 75 if still working however in 99.5 % of the cases you are better paying the $144.50 part B premium and opting out of your group coverage continue to work ...
Is there an income limit for Medicare Part B?
If you file your taxes as "married, filing jointly" and your MAGI is greater than $212,000, you'll pay higher premiums for your Part B and Medicare prescription drug coverage. If you file your taxes using a different status, and your MAGI is greater than $106,000, you'll pay higher premiums.
Can I have Medicare Part B and employer coverage at the same time?
If Medicare is the primary payer and your employer is the secondary payer, you may need to join Medicare Part B (Medical Insurance) before your employer insurance will pay for Part B services. Medicaid never pays before Medicare.
Will I lose my Medicare if I get a job?
Medicare eligibility is based on age, certain disabilities and conditions such as End-Stage Renal Disease (ESRD), but it is not based on income. This means that no income threshold would create a scenario where a beneficiary would lose their Medicare benefits.
NEW: 2025 Medicare Cost Increases CONFIRMED - New Cost Breakdown 💵
Can I work full time while on Medicare?
Can I have Medicare and employer coverage? Many people ask, "Can I sign up for Medicare and still work full time?" The answer is, yes you can.
Does everyone have to pay $170 a month for Medicare?
Most people pay no premiums for Part A. For Medicare Part B in 2025, most beneficiaries will pay $185 per month. Certain factors may require you to pay more or less than the standard Medicare Part B premium in 2025.
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.
Can you use Medicare and private insurance at the same time?
If you have Medicare and other health insurance (like from a group health plan, retiree coverage, or Medicaid), each type of coverage is called a "payer." The "primary payer" pays up to the limits of its coverage, then sends the rest of the balance to the "secondary payer."
Is Medicare cheaper than employer insurance?
This is unique for every plan, but generally speaking, Medicare tends to provide more benefits than employer coverage at a lower cost. If you have a high-premium or high-deductible plan through your employer (or your spouse's employer), switching to Medicare may be more cost-effective.
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 money does Medicare allow you to have in the bank?
This means individuals can have any amount of assets and still qualify for a Medicare Savings Program. Assets are things that you own, such as bank accounts, cash, second homes and vehicles.
Is Medicare Part B free at age 65?
Medicare Part A (hospital insurance) is free for almost everyone. You have to pay a monthly premium for Medicare Part B (medical insurance). If you already have other health insurance when you become eligible for Medicare, you may wonder if it's worth the monthly premium costs to sign up for Part B.
What is the 8 month rule for Medicare?
Once you stop working (or lose your health insurance, if that happens first) you have an 8-month Special Enrollment Period (SEP) when you can sign up for Medicare (or add Part B to existing Part A coverage).
Can I delay Medicare Part B if I am still working?
People with group health coverage based on current employment may be able to delay Part A and Part B. They won't have to pay a lifetime late enrollment penalty if they enroll later.
What is the alternative to Medicare Part B?
Part C (Medicare Advantage)
Part C is known as Medicare Advantage. It's an alternative to Parts A and B that bundles several coverage types, including Parts A, B, and usually D. It may also include: Vision.
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.
Can you get Medicare Part B while still employed?
The individual can enroll at any time while covered under the group health plan based on current employment, or during the 8-month period that begins the month the employment ends or the group health plan coverage ends, whichever comes first.
Why would you decline Medicare Part B?
Some people do not take Part B during their Initial Enrollment Period (IEP) because they have primary insurance from their current employer or their spouse's current employer. The IEP is the first time you can sign up for Medicare.
How much is Medicare Part B if you are still working?
Most people pay the standard Part B monthly premium amount ($185 in 2025). Social Security will tell you the exact amount you'll pay for Part B in 2025.
What is the Medicare salary limit?
There's no wage base limit for Medicare tax. All covered wages are subject to Medicare tax.
Does Medicare cover dental?
In most cases, Medicare doesn't cover dental services like routine cleanings, fillings, tooth extractions, or items like dentures.