Medicare Special Enrollment Period: Working Past 65
Published by: Medicare Made Clear
When you're eligible to delay enrollment in Medicare because you have creditable employer coverage (through your employer or a spouse’s employer) you qualify for an 8-month Special Enrollment Period (SEP). During this time, you’ll be able to enroll in Medicare.
Your Special Enrollment Period begins when you retire or lose your employer coverage, whichever happens first. You will have up to 8 months to enroll in Parts A and/or B, but only the first two months to enroll in Parts C and/or D.
How to Use Your Special Enrollment Period
When you’re ready to enroll in Medicare, you will have a full 8 months to enroll in Parts A and/or B but only the first two months of this period to enroll in Parts C and/or D. Watch the video and use the graphics below to help you understand how to enroll during your Special Enrollment Period after you lose employer coverage or stop working.
On a beige background, an illustrated woman with a green face wears a headset and sits at a computer screen.
Blue text appears at top.
ON SCREEN TEXT: Special Enrollment Period: Working Past 65 The text, computer screen, and headset slide away, and a blue briefcase pops up behind the woman.
New text appears at top.
ON SCREEN TEXT: Who Can Qualify: Individuals working past age 65 with creditable employer health coverage.
The heading remains as the text underneath changes.
ON SCREEN TEXT: OR ON SCREEN TEXT: Individuals covered by a working spouse's creditable employer health plan.
Now, the woman slides offscreen, replaced by an illustrated blue-and-yellow office building with a sun and clouds overhead.
ON SCREEN TEXT: In both cases, the employer must have more than 20 employees.
All text and graphics slide offscreen.
As more text appears, an illustrated document at center reads "Part A" and "Part B," with a button labeled "Enroll" below it.
ON SCREEN TEXT: What You Can Do: Enroll in Medicare Part A and/or B outside of your Initial Enrollment Period or the General Enrollment Period.
Part A Part B Enroll Additional text and a second document appear.
You may also be able to choose to enroll in a Part C or Part D plan. Part C Part D Eight calendar graphics, labeled months: 1-8, form two rows, with text at top and bottom.
ON SCREEN TEXT: How Long It Lasts: 8 months Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8
Your Special Enrollment Period begins the month after your employer coverage ends.
The same illustrated woman from before slides to the right of the screen, with a man with a yellow face to her left.
Between them is a cake with numbered candles saying "65."
Blue text appears at top.
ON SCREEN TEXT: Key Things to Know: In some situations with employers, you or your spouse may have to take full Medicare (Parts A & B) at age 65, even if you're still working.
Blue text and documents with a large 8 in a circle, slide onscreen.
ON SCREEN TEXT: Key Things to Know: You have 8 months to enroll in Medicare Parts A & B, Part A Part B
8 Green text under the same blue heading appears, with new documents and a blue 2 in a circle.
ON SCREEN TEXT: but you only have the first 2 months to enroll in a Part C or Part D plan without late enrollment penalties.
Part C Part D 2
All text and graphics slide upward, replaced with a blue background with faded, twinkling stars.
White text sits at the center.
ON SCREEN TEXT: Medicare Made Clear® by UnitedHealthcare®
During your Special Enrollment Period, you have 8 months to enroll in Part B, and Part A, if you haven’t already, and you will have 2 months to enroll in a Medicare Advantage (Part C) or a Part D prescription drug plan.
An important note about Part D: You have exactly 63 days to get a stand-alone Part D prescription drug plan or a Medicare Advantage plan with prescription drug coverage included without penalty. After this time, you may be subject to the Part D late enrollment penalty which generally lasts as long as you have Medicare prescription drug coverage.