The Best of Both Worlds

Did you know you can enroll in Medicare and continue working at the same time?

If you are still working, eligible for Medicare, and covered under a company group plan, it may be worth taking a closer look at your options. Many people are surprised to learn they can combine Medicare with their current coverage or even find a more cost-effective solution.

So what are your “Medicare rights”? Simply put, if you have worked and paid taxes in the United States for at least 10 years (40 quarters), you have been contributing to Medicare and may qualify for benefits starting at age 65.

Medicare is health insurance designed for individuals age 65 and older, as well as those under 65 with certain qualifying conditions. Because it is heavily subsidized by the federal government, it often provides strong coverage at a lower cost compared to many private plans.

However, many people who continue working past 65 assume they must stay on their employer’s plan and delay Medicare until retirement. While that is an option, it is not always the most cost-effective choice.

The reality is, you may have more flexibility than you think. Taking the time to review your options allows you to compare your current coverage with what Medicare offers and decide what works best for your situation.

After all, you have been paying into Medicare for years. It makes sense to understand how to take full advantage of it.

If you are unsure what your options look like, we are here to help. A quick, no-obligation review can give you clarity and confidence in your decision.