If you plan to work past age 65, you have a couple different options regarding Medicare part B.
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Unlike Part A, Part B requires a monthly premium which is based on income. Depending on your circumstances, you may be able to delay enrollment in Medicare Part B if you so desire. However, in some cases your employer may insist otherwise. Below, I will dissect the different cases regarding Part B enrollment for those working past 65.
Must Enroll if…
Your employer has less than twenty employees.
You are receiving coverage via your spouse’s employer who requires all covered dependents to be enrolled upon reaching 65.
You are in an unmarried domestic partnership and receive coverage from your partner’s employer health insurance.
Consider Enrolling if…
Medicare is less expensive and/or offers better coverage than your current insurance.
You would like to keep your current insurance while still taking advantage of the benefits offered by Medicare.
You want to enroll in Medigap or a Medicare Advantage plan.
Medicare accepts your prescription drug plan.
Delayed Enrollment
If you decide you want to delay Part B enrollment, you will be granted an 8 month Special Enrollment Period (SEP).
This SEP will also allows you to enroll in Part C and/or Part D within the first two months of the eight; it is important to note that you will be charged a late fee if you surpass either of these deadlines.