Medicare, explained without the jargon
Plain-English answers about Medicare for people turning 65 in Wisconsin. Written by a local, bilingual independent agent.
Working Past 65
- Turning 65 and Working for a Small Employer: Do You Need Medicare?Working past 65 doesn't automatically mean you should delay Medicare. If your employer has fewer than 20 employees, the way Medicare coordinates with your job-based coverage can be very different.
- COBRA After 65: Does It Let You Delay Medicare Part B?COBRA can continue employer health coverage after a job ends, but Medicare treats it differently from coverage based on current employment. If you're 65 or older, that distinction can affect when you need to enroll in Part B.
- Turning 65 With an HSA: When Should You Stop Contributing Before Medicare?An HSA can make Medicare timing more important than it first appears. If you plan to work past 65 and keep contributing, understand what happens when Medicare begins before you apply.
- Is My Employer Prescription Coverage Creditable for Medicare Part D?If you have prescription coverage through an employer or union when you become eligible for Medicare, one word matters: creditable. Knowing what it means can help you make a more informed Part D decision.
- Working Past 65: Do I Need to Sign Up for Medicare?If you plan to keep working past 65, you may be able to delay part of Medicare—but the size of your employer, your current coverage and whether you contribute to an HSA can change what you should do.