Q: Gwen, I will be turning 65 in a few months, do I need to apply for Medicare?
A: If you are currently drawing social security, then you will automatically be enrolled and mailed a Medicare card. If you are not drawing Social Security, then you can apply on-line, by phone or in person at the local Social Security office. But, are you still working?
Q: Yes, and I have health insurance at work. What difference does that make?
A: If your employer has fewer than 20 employees, then Medicare is primary and you will need to enroll in Part B. If your employer has more than 20 employees, then your insurance at work will be primary and you are eligible to stay on your insurance at work and may want to delay enrolling in Part B until you actually retire. As long as you have credible coverage at work, you will not be penalized for not enrolling now. However, I suggest that you evaluate your options – the insurance at work as compared to the coverage through Medicare. Choose the option that gets you the best benefit from your insurance dollars!