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Medicare: Still working at 65?

Updated: Oct 2

If you’re still working at 65, here’s what matters:


  • If your employer has 20 or more employees, you may be able to delay Part B if you have creditable coverage.

  • If your employer is smaller, Medicare usually becomes your main insurance at 65.


Knowing your situation helps you avoid paying extra later.







Disclaimer: This information is for educational purposes only. Benefits, costs, and coverage vary by plan and area. Medicare rules may change.


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For plans with Part D Coverage: You may be able to get Extra Help to pay for your prescription drug premiums and costs. To see if you qualify for Extra Help, call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/7 days a week, or consult www.medicare.gov. You can also contact the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday (TTY: 1-800-325-0778 or www.socialsecurity.gov), or your Medicaid office.


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Last Updated 10.01.2025​​​​​​

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