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Medicare with Employer Coverage

If your are going to continue working after age 65, you’ll need to understand how Medicare works with your employer group insurance. Sometimes you are required to sign up for Medicare Part A and Part B. Other times you are not. Read on to learn more!

Large Group Coverage

If your employer has 20+ employees, their employer group insurance coverage will be primary. In this situation, it often does not make sense to get sign up for Medicare.

Small Group Coverage

If your employer has under 20 employees, their employer group insurance will be secondary to Medicare. In this situation you will have to sign up for Medicare Part A and Part B. 

Medicare Doesn’t Have To Be So Hard…

Schedule your FREE appointment to have our team answer your questions and make Medicare easy.


If I Stay on Employer Coverage will I get a Medicare Penalty?

As long as your employer offers “Creditable Coverage”, you will not have a penalty if you delay taking your Medicare.


To do a cost-benefit comparison of your existing coverage vs. Medicare, schedule an appointment with The Medicare Family. We’ll walk you through the plans, prices, and answer any questions you have about your unique situation.

Sylvia Gordon, aka Medicare Mama®, is an expert on all things Medicare and Social Security. She is the 2nd Generation here at The Medicare Family and has served on the advisory boards of major insurance companies like UnitedHealthcare®, Cigna, and Anthem. In her free time, she can be found taking care of her animals (dogs, goats, peacocks, chickens), and reading a good book. Learn More.
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