Question 1

Do I have to enroll in Medicare at 65 if I have large-employer coverage?

Accepted Answer

No. If your employer has 20 or more employees and you are actively working, you can delay Part B without penalty. Your Initial Enrollment Period opens at 65 but you do not have to use it — the 8-month SEP gives you another opportunity after employment ends.

Question 2

When does my 8-month SEP start if I take COBRA after retiring?

Accepted Answer

The 8-month SEP starts when active employment or employer coverage ends — not when COBRA ends. If you retire and then take COBRA, the SEP window is already running during your COBRA period. Waiting until COBRA ends to enroll in Part B can mean missing the SEP entirely and facing a permanent penalty.

Question 3

Can I delay Part B if I am no longer working but my employer plan still covers me?

Accepted Answer

Generally no. The Part B SEP requires active employment — simply being covered by a former employer's plan does not qualify. If active employment has ended, your SEP has likely already started.

Question 4

What if I miss the 8-month SEP after losing my large-employer coverage?

Accepted Answer

If the 8-month SEP closes without enrollment, the General Enrollment Period (January 1 through March 31) is your next option. Coverage starts the month after you sign up, and a permanent late-enrollment penalty applies for each full 12-month period you were eligible but not enrolled.

Question 5

Does employer size matter if I am covered through my spouse's employer?

Accepted Answer

Yes — the same 20-employee threshold applies. If your coverage is through a spouse's active employment at an employer with 20 or more employees, you can delay Part B. If the spouse's employer has fewer than 20 employees, Medicare is primary for you regardless.

Turning 65 With 20-Plus Employer Coverage: Your Part B Timing

Frequently Asked Questions