BenefitsCompass Ohio
STILL WORKING AT 65

Still working — should you take Medicare?Request a call, and a licensed Ohio agent will compare your employer plan to Medicare — usually within 24 hours.

If your employer has 20+ workers, you can usually delay Part B without penalty. If it has fewer than 20, you probably need to enroll on time. COBRA does NOT count as creditable coverage. A licensed agent helps you get this right — free.

✓ Free & no obligation✓ Licensed local agents✓ Your info stays private
★★★★★4.9/5 — thousands of Northeast Ohio families helped with health insurance and Medicare
Prefer to talk now?Speak directly with United Medicare Club
234.380.6282

You'll reach United Medicare Club, our preferred partner agency. No cost, no obligation — just a real licensed agent who can help.

or request a callback

Working at 65? A licensed Ohio agent will call you back — usually within 24 hours.

Fill out the short form below. No cost, no pressure — just clear answers from a real local agent.

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🔒 Your information is private and is only used to have a licensed agent help you. We never sell your data.

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20+ employee employers

You can delay Part B and keep group coverage — and use a Special Enrollment Period later.

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Small-employer rules

Under 20 workers? Medicare becomes primary at 65 — you usually need to enroll in Part B.

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COBRA is NOT creditable

Going on COBRA at 65 without Part B can trigger a permanent late-enrollment penalty.

The 20-employee rule

If your (or your spouse's) employer has 20 or more employees, the group plan is usually primary and Medicare is secondary. You can safely delay Part B until you retire and use the 8-month Part B Special Enrollment Period to enroll without penalty.

If the employer has fewer than 20 employees, Medicare becomes primary at 65. The group plan only pays after Medicare does — which means you generally need to enroll in Part B on time or face penalties and gaps.

Get a free employer-vs-Medicare comparison

A licensed Ohio agent will compare your group plan's premiums, deductibles, and networks to Medicare. Callback within 24 hours.

or call 234.380.6282 — United Medicare Club, our preferred partner agency

COBRA and retiree coverage

  • COBRA is NOT creditable coverage for Part B. Going on COBRA at 65 without enrolling in Part B usually triggers a late-enrollment penalty.
  • Retiree health plans almost always require you to enroll in Medicare A and B — they pay secondary.
  • HSA contributions stop the month you enroll in any part of Medicare (including premium-free Part A).
  • Spouse on the employer plan may need her or his own Medicare strategy.

When you retire — the 8-month SEP

Once your employer coverage ends (or you stop working — whichever is first), you have 8 months to enroll in Part B without penalty. You also have a 2-month window to enroll in a Part D or Medicare Advantage plan. Acting in the first 60 days usually avoids any coverage gap.

Eligibility →Special Enrollment →Turning 65 →

Get the employer-vs-Medicare answer — free.

A licensed Ohio agent will compare your group plan to Medicare and lay out the timing. Callback within 24 hours.

  • A real, licensed local insurance agent at United Medicare Club
  • No cost, no obligation, no robocalls
  • Your information stays private and is never sold

Prefer to skip the form? Call 234.380.6282 — United Medicare Club, our preferred partner agency.

Request a callback from a licensed local agent

Fill out the short form below. A licensed agent at United Medicare Club, our preferred partner agency, will call you back — usually within 24 hours. No cost, no pressure.

About you
Contact
Coverage
Confirm

Let's start with your name

🔒 Your information is private and is only used to have a licensed agent help you. We never sell your data.