Enrollment and eligibilityApplying for Medicare Part D: What to know about enrollment
You probably are, but consider when you should enroll
Many people choose to keep working past 65, and keep their coverage under their employer’s group plan. But if you’ve been paying into Medicare via payroll deductions, you may as well enroll in Medicare Part A (hospital insurance) when you’re first eligible, as you’ll pay no premium.
For Part B (medical insurance), most people need to enroll when they turn 65 to avoid a late-enrollment penalty. Only people who have health insurance from their (or their spouse’s) current employer may be able to delay enrolling in Part B – and delay having to pay the monthly Part B premium. In 2019, that premium is $135.50.
If you’re 65 or older and your medical insurance coverage is under a group health plan based on your or your spouse's current employer, you may qualify for a Special Enrollment Period that will let you sign up for Part A and/or Part B during:
- Any time you remain covered under the group health plan and your or your spouse's employment continues, or
- The 8-month period that begins with the month after your group health plan coverage (or the employment it’s based on) ends—whichever comes first
The bottom line
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Humana answers your Medicare questions
Enrollment and eligibilityHow can I check my eligibility to enroll in Medicare?
Enrollment and eligibilityHow to get Medicare if you’re disabled or under 65
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