What Medicare Coverage does one need
to get if they are still working?
Is there a SEP Special Enrollment Period for Part B, MAPD Medicare Advantage and Medi-Gap when you lose Group Coverage?
Part D Rx?
Since you have coverage through work, you can probably postpone enrolling in Part B – Doctor Visits and Part D Rx.
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the horses mouth on if you should get Part B Doctor Visits, how to enroll, COBRA Traps, etc.
When you retire, lose your employer coverage you may then enroll in Part B Doctor visits, you will also have a special enrollment period to get Part D Rx and enroll in a Medi Gap Plan and Medicare Advantage.
So, basically, as long as you have great coverage at work, just sign up for Part A Hospital and then get Part B, supplements and Part D Rx when you retire. There might be issues if your wife wants to sign up late for Part B, as there are technical rules about it being employee coverage not COBRA, which could affect you too if you go on COBRA. See Medicare & You Page 26 – Part B Special Enrollment Period.
Links, References & Resources
See Medicare Publication 02179 for information on having dual coverage with Medicare.
Related Pages in Part B – Doctors – How to sign up Section