I have employer coverage

Even if you have coverage through a current or former employer, you still may need to make some important Medicare enrollment decisions.

It’s important to understand how your current coverage works with Medicare before making any decisions. If you have questions about your current insurance, the best source of information is your benefits administrator, insurer, or plan provider.

I have employer coverage and:

If you aren’t getting benefits from Social Security (or the RRB) at least 4 months before you turn 65, you'll need to sign up with Social Security to get Parts A and B. However, depending on the size of the employer, you may be able to delay Parts A and B without having to pay a penalty if you enroll later. Learn more about whether you should get Parts A and B.