Are you planning to continue working beyond the age of 65? It’s important to understand how Medicare fits into your situation. At Senior Financial Group, we specialize in helping individuals like you navigate the complexities of Medicare while remaining employed. Here’s what you need to know:

1. Understand Your Options: When you’re still working at 65 or older, you have the choice to either enroll in Medicare or stay on your employer’s health insurance plan. Deciding which option is right for you depends on various factors, including the size of your employer and the coverage they offer.

2. Delaying Part B Enrollment: If you have employer-sponsored health coverage that is considered “creditable,” meaning it’s as good as Medicare Part B, you may choose to delay enrolling in Part B without facing penalties. However, it’s crucial to understand the rules and timelines associated with this decision.

3. Coordinating Coverage: In many cases, having both Medicare and employer-based coverage can provide you with comprehensive healthcare benefits. Our experts can guide you through the coordination of benefits, ensuring that you maximize your coverage and minimize out-of-pocket costs.

4. Special Enrollment Periods: Once you decide to retire or leave your job, you’ll be eligible for a Special Enrollment Period (SEP) that allows you to enroll in Medicare without penalties. It’s crucial to understand the timing of these periods to ensure you’re covered when you need it.

5. Review Your Needs Annually: As your circumstances change, it’s important to review your healthcare needs annually. Our experienced agents at Senior Financial Group are here to assist you in evaluating your options and making informed decisions about your Medicare coverage.

6. Personalized Guidance: Our dedicated team specializes in Medicare solutions for various situations, including those who continue working past 65. We offer personalized guidance tailored to your specific needs, ensuring you have the right coverage at the right time.

At Senior Financial Group, we recognize that every individual’s situation is unique. If you’re working past 65 and seeking clarity on your Medicare options, we’re here to help. Contact us today to schedule a consultation with one of our knowledgeable agents. We’ll provide the expert advice you need to make informed decisions about your healthcare coverage while continuing to enjoy your career.