Clear, No-Pressure Medicare Guidance for Long-Term Planners
If you’re still working and retirement is months—or even years—away, it’s smart to start learning how Medicare works before you need it.
Medicare rules can be different for people who have employer health coverage, and understanding those rules ahead of time can help you avoid late enrollment penalties, coverage gaps, and last-minute confusion.
I help long-term planners understand how Medicare fits into their retirement timeline, so when the time comes, you already know what to do.
There is no obligation to enroll. This is an educational conversation.
[Schedule a Free Medicare Planning Call] or call 213-816-0228.
Medicare & Employer Coverage: What You Need to Know
If you’re 65 or turning 65 and still working, your Medicare decisions depend largely on your employer’s coverage.
If You Work for a Large Employer (20+ Employees)
In many cases:
- Your employer plan may remain your primary coverage
- You may be able to delay Medicare Part B without a late penalty
- You may still choose to enroll in Medicare Part A
Understanding how your employer coverage works with Medicare can help you decide what makes sense now—and what can wait until retirement.
If You Work for a Small Employer (Fewer Than 20 Employees)
In some situations:
- Medicare may become your primary coverage at age 65
- Enrolling on time may be important to avoid coverage gaps
- Delaying certain parts of Medicare could result in penalties
This is where early planning can make a big difference.
What Happens When You Retire or Lose Employer Coverage?
When you retire or your employer coverage ends, you may qualify for a Special Enrollment Period that allows you to enroll in Medicare without late penalties.
Planning ahead helps you understand:
- When to apply for Medicare Part A and Part B
- How long your Special Enrollment Period lasts
- How to transition from employer coverage to Medicare smoothly
- What coverage options will be available when the time comes
Knowing this information in advance helps take the stress out of retirement.
How I Help Long-Term Planners
As a licensed Medicare insurance agent, I provide educational guidance to help you:
- Understand how Medicare works alongside employer coverage
- Learn which Medicare decisions can be delayed—and which cannot
- Create a clear timeline for enrolling after retirement
- Review plan options available in your area when enrollment becomes available
The choice to enroll in any plan is always yours.
Why Planning Ahead Matters
People who plan early often:
- Feel more confident about retirement
- Avoid rushed decisions
- Reduce the risk of late enrollment penalties
- Know exactly who to call when they’re ready
Even if retirement is years away, having a plan in place can make the transition much smoother.
Let’s Create a Medicare Plan—At Your Pace
If you’re still working and want to understand how Medicare fits into your long-term 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]