What if I’m still working? Am I eligible for Medicare?
At age 65, you may be eligible for Parts A and B, even if you still work. If you're employed and plan to continue working after your 65th birthday, talk with your company's benefits administrator. Find out how your current health plan differs from or works with Medicare. This information may help you decide whether to keep your current health plan or switch to a Medicare plan. It is important to note that if you don’t sign up when you’re first eligible, you may have to pay a penalty for Parts B and Part D (prescription drug plan).
Once you retire, you can enroll either before your employer or union-sponsored coverage ends or up to two months after the coverage ends.
If your spouse is a “qualified wage earner,” (someone who worked for 10 years and had Social Security taxes withheld), you may be eligible for premium-free Part A.