Still Working? Planning for Medicare After You Retire

Get Clear, No-Pressure Medicare Guidance—Before You Need It

If you’re still working and covered by employer insurance, you may not need Medicare just yet—but planning ahead can help you avoid late penalties, coverage gaps, and unnecessary stress later on. If you are considering working past 65, it’s important to understand how your choices affect your Medicare options.

I help individuals understand how Medicare works when you retire, what steps to take, and when to apply—so you feel prepared when the time comes.

There is no obligation to enroll. This is simply an educational conversation.

[Schedule a Free Planning Call]

---

Do I Need Medicare If I’m Still Working?

If you’re 65 or turning 65 and still working, the answer depends on:

• The size of your employer
• Your current health coverage
• Whether you plan to retire soon or later

In some cases, you can delay certain parts of Medicare without penalty. In other situations, enrolling on time is important—even if you’re still working.

Understanding your options before you retire can help you avoid costly mistakes later.

---

What Happens When You Retire?

When you retire or lose employer coverage, you may qualify for a Special Enrollment Period that allows you to apply for Medicare without late penalties.

During this time, you’ll want to understand:

• When to enroll in Medicare Part A and Part B
• How to transition from employer coverage to Medicare
• Your options for Medicare Advantage, Medigap, and Prescription Drug Plans
• Important deadlines and required steps

I help explain these topics in clear, easy-to-understand language so you know what to expect.

---

How I Can Help

As a licensed Medicare insurance agent, I provide educational guidance to help you:

• Understand how Medicare works with employer coverage
• Learn when and how to apply after retirement
• Review plan options available in your area when the time comes
• Prepare ahead so enrollment feels simple—not stressful

The choice to enroll in any plan is always yours.

---

Why Talk With Me Now?

Planning ahead can help you:

• Avoid late enrollment penalties
• Prevent gaps in coverage
• Feel confident when it’s time to retire
• Know exactly who to call when you’re ready

Even if retirement is months—or years—away, having a plan can make the transition much smoother.

---

Let’s Plan Ahead—Together

If you’re still working and want to understand how Medicare fits into your retirement plans, I’d be happy to help.

Appointments are free, educational, and designed to answer your questions—without pressure to enroll.

Contact Me for Medicare Planning Help by calling :

213-816-0228

---

Disclaimer:
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period. A licensed insurance agent may contact you. There is no obligation to enroll.