Does My Spouse's Employer Coverage Let Me Delay Medicare?
Yes, if your spouse is actively working and their employer has 20 or more employees, you can delay Part B. The coverage must be based on your spouse's active employment.
Frequently Asked Questions
- What if my spouse retires?
- When your spouse retires or the employer coverage ends, you get an 8-month SEP to enroll in Part B without penalty.
- Does my spouse need to be 65 too?
- No. Your spouse can be any age. What matters is that they are actively employed and the employer has 20+ employees.
- What if my spouse's employer has fewer than 20 employees?
- Then Medicare is primary for you. You should enroll in Part B when first eligible to avoid penalties and coverage gaps.