Many people have group health insurance while they are employed.
If you have group coverage, find out before your retire if it can be continued or converted to suitable coverage to supplement Medicare. Both state and federal law require many employers to offer continued health insurance benefits to people whose group coverage ends because of divorce, death of a spouse, or termination of employment for reasons other than discharge for misconduct. Check with your employer for more information. If your spouse is included in a group plan, find out what happens if he or she enrolls in Medicare before you do. If you request it, the insurer must give you a written explanation of the benefits you will have after you become eligible for Medicare.