Can I Delay Part B Using My Spouse's Employer Coverage?
Yes, you can delay Part B if your spouse is actively employed at an employer with 20 or more employees and their plan covers you. When your spouse retires or the coverage ends, you get an 8-month SEP.
When This Applies
- Your spouse's employer plan covers you
- You are 65+ and not working yourself
- Your spouse is younger and still working
- You want to avoid Part B premiums while covered
Frequently Asked Questions
- What if my spouse is under 65?
- Your spouse's age is irrelevant. What matters is active employment at an employer with 20+ employees.
- What if my spouse switches jobs?
- If the new employer also has 20+ employees and covers you, your delay protection continues. If coverage gaps, act quickly on your SEP.
- Does domestic partner coverage count?
- Medicare rules specifically reference spouses. Domestic partner arrangements may vary — verify with Social Security.