Do you need to use Medicare while working past 65? For those working at age 65, you may be unsure if you should begin to use Medicare or wait. Should you stay on your employer’s coverage or switch?
Making this decision depends on several factors, including how you get health insurance now, as well as the size of your employer. Typically, you don’t have to sign up for Medicare when you turn 65 if you have health insurance through other means, such as your employer, your spouse’s plan or through private insurance. In these cases, you can wait until you or your spouse stops working or you lose your health insurance for another reason.
You may be able to work and get Medicare, depending on your age, which is usually 65. You may also be eligible to apply for Medicare if you have a disability recognized by Medicare. It’s also important to consider Medicare costs and the benefits that come from signing up for coverage when you are initially able to do so.