The short answer: No. You can enroll once you meet the age requirement for Medicare at age 65. In fact, your Medicare enrollment window begins three months before you turn 65. However, some individuals may qualify for benefits without meeting the age requirement for Medicare. For example, an End-Stage Renal Disease diagnosis may qualify you for Medicare at any age.
Working past age 65 is a common occurrence among Baby Boomers. Luckily, your working status has no impact on your Medicare eligibility once you turn 65. You can continue to work and enjoy the benefits of Medicare. Medicare may even be more cost-effective than your employer coverage. Plus, you can use the health savings account (HSA) funds you saved to pay for your health care costs even after you switch to Medicare.
If you work for a company with 20 or fewer employees, you’ll be required to enroll in Original Medicare (Parts A and B) once you become eligible.
Working Past 65 Checklist
Call: 937.915.3563