Q. What if I'm still covered by an employer or spouse's/partner's employer plan?
The Short Answer
You can continue to be covered through your own plan or through a spouse's/partner’s plan if you still qualify. Make sure you check with the sponsor of your existing policy.
There are times when someone may be eligible for Medicare but continues to be on an employer plan:
- You might be retired and still on your former employer’s plan
- You or your spouse/partner might still be working and on an employer’s plan
Generally, in these cases, you will sign up for Medicare Part A, but not Medicare Part B. Signing up for Medicare Part B triggers your six-month Open Enrollment period. You want to save that until you are switching to a Medicare supplement insurance or Medicare Advantage plan.