Job-Based Insurance and Medicare.Job-based insurance is insurance offered by an employer or union for current employees and family members. Job-based insurance allows you to delay Medicare enrollment without negative consequences in some situations. However, you may want to enroll in Medicare depending on whether your job-based insurance pays primary or secondary. In most cases, you should only delay Part B if your job-based insurance is the primary payer (meaning it pays first for your medical bills) and Medicare is secondary, and if you will have a Special Enrollment Period (SEP) to enroll in Part B when you lose your job-based coverage (see Part B SEP How Do I Use it?).

If you are eligible for Medicare because you are 65 or older:

  • Job-based insurance is primary if it is from an employer with 20+ employees. Medicare is
    secondary in this case, and some people choose not to enroll in Part B because of the additional
    monthly premium.
  • Job-based insurance is secondary if it is from an employer with fewer than 20 employees.
    Medicare is primary in this case, and if you delay Medicare enrollment, your job-based insurance
    may provide little or no coverage. You should enroll in Part B to avoid incurring high costs for
    your care.

If you are eligible for Medicare because you have received Social Security Disability Insurance (SSDI) for 24 months:

  • Job-based insurance is primary if it is from an employer with 100+ employees. Medicare is
    secondary in this case, and some people choose not to enroll in Part B because of the additional
    monthly premium.
  • Job-based insurance is secondary if it is from an employer with fewer than 100 employees.
    Medicare is primary in this case, and if you delay Medicare enrollment, your job-based insurance
    may provide little or no coverage. You should enroll in Part B to avoid incurring high
    costs for your care.

Read Next: Part B SEP How Do I Use it?
Learn About: Health Savings Account (HSA) and Medicare.
Return to: Medicare Admin

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