Working for a Small Employer? You Probably Need Part B Now.
Yes. With fewer than 20 employees, Medicare is your primary payer regardless of employment status. Your employer plan only pays secondary. Enroll in Part B during your IEP to avoid penalties and large out-of-pocket costs.
When This Applies
- You work for a small employer (under 20 employees)
- You are turning 65 while working
- Your employer offers health coverage but has a small workforce
- You are wondering if your employer plan is sufficient
Frequently Asked Questions
- How is employer size counted?
- Based on the number of employees the employer had for each working day in the current or previous calendar year.
- What if my employer grows past 20?
- If the employer reaches 20+ employees, the plan becomes primary and you may be able to delay Part B going forward.
- Can my small employer plan deny me?
- No. The plan can't deny you coverage, but it will only pay secondary — which is much less without Part B.