Can You Have Medicare and Keep Working?
Yes. You can enroll in Medicare and continue working at the same time.
If you are still employed and covered under a group health plan, it’s important to understand how Medicare works alongside your employer coverage. Many people are already eligible for Medicare at age 65, or earlier if they qualify due to disability or certain health conditions. Medicare is a federal health insurance program for people 65 and older, and for some individuals under 65 who qualify. If you have worked and paid Medicare taxes for at least 40 quarters, you have already contributed to your Medicare benefits over your working years.
Medicare is often more affordable than many private health plans and provides strong nationwide coverage. However, many people choose to stay on their employer plan simply because they are not aware of how Medicare works or how it compares.
In some cases, delaying Medicare while staying on a group plan is the right choice. In other situations, comparing your Medicare options can help you lower costs or improve your coverage.
If you are working past 65, it is a good idea to review your Medicare eligibility and compare it to your current employer coverage so you can make an informed decision.
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