Under-20 Employer and Over 65? Enroll in Medicare
Usually when you are first eligible. With fewer than 20 employees, Medicare generally pays first at 65 even if you are still working, so delaying Part B can create claim and penalty risk.
Frequently Asked Questions
- Can I wait to enroll in Part B while working for a small employer?
- 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.
- Will I get an 8-month SEP when I leave my small employer?
- 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.
- My employer helps pay my Part B premium -- does that change the rule?
- 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.