If you delayed signing up for Medicare (or parts of it) because you had a qualifying health-care plan at work, make sure you avoid a coverage gap or costly missed deadlines.
If you've already turned 65 and are getting close to saying goodbye to full-time work, make sure Medicare is on your must-tend-to checklist.
Most people sign up for Medicare when first eligible at age 65 either because they no longer are working or don't have qualifying coverage through a job. For a small but growing contingent of older Americans who continue to work past that age, however, having workplace coverage means having options. "They tend to enroll in just Part A because it's free and then delay Part B and Part D because they'd have to pay premiums," said Danielle Roberts, co-founder of insurance firm Boomer Benefits in Fort Worth, Texas.
Ideally, however, you should coordinate the end of your work-sponsored coverage with your Medicare effective date so you don't find yourself without insurance. However, once you do enroll, you'll get a form from the insurance company that needs to be filled out and returned to confirm you were permitted to delay enrollment, Roberts said.
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