Spouse Employer Under 20? Medicare Primary, Usually No Delay
If a spouse's employer has fewer than 20 employees, Medicare is usually primary at 65. Delaying Part B risks unpaid claims and a lifetime penalty.
Frequently Asked Questions
- Can I delay Part B with coverage through my spouse's small employer?
- Usually no. When the employer has fewer than 20 employees, Medicare is generally primary at age 65.
- Does active work change the under-20 employer rule?
- The employer-size rule still matters. Confirm how the plan coordinates benefits with Medicare before delaying Part B.