Question 1

Can I wait to enroll in Part B while working for a small employer?

Accepted Answer

Generally no. With fewer than 20 employees, Medicare is primary at 65 even while you are actively working. Waiting to enroll leaves you without primary coverage and risks a permanent penalty.

Question 2

Will I get an 8-month SEP when I leave my small employer?

Accepted Answer

Not necessarily. The 8-month SEP after losing active-employer coverage applies reliably when the employer has 20 or more employees. With a small employer, this protection may not apply. Contact Social Security for your specific situation.

Question 3

My employer helps pay my Part B premium -- does that change the rule?

Accepted Answer

No. Whether your employer helps with your Part B premium is separate from the question of whether Medicare is primary. For small employers, Medicare is still primary at 65 regardless of premium arrangements.

Question 4

What is the next enrollment option if I missed the IEP while at a small employer?

Accepted Answer

If your Initial Enrollment Period has closed and no Special Enrollment Period applies, the General Enrollment Period (January 1 through March 31 each year) is your next option. Coverage starts the month after you enroll, and a permanent 10% per year penalty applies for each full 12-month period you were eligible but not enrolled.

Question 5

When should Part B start if my employer has fewer than 20 employees and I am still working?

Accepted Answer

Aim for Part B to start when Medicare first becomes primary, usually at 65. If you are already past 65 without Part B, contact Social Security rather than waiting until retirement.

Working Past 65 With Employer Under 20? Enroll in Part B

Frequently Asked Questions