Understanding Your Medicare Options

A personalized guide based on your situation

Pick the box below that best describes your situation, then proceed to your tab for step-by-step guidance!

★ Pick the box that best describes your situation  ·  ★ Proceed to your tab

On Social Security
+
Working past 65
and on a Company Plan
→ Tab 1
NOT on Social Security
+
Working past 65
and on a Company Plan
→ Tab 2
On Social Security
+
Not Working –
No Company Plan
→ Tab 3
NOT on Social Security
+
Not Working –
No Company Plan
→ Tab 4

Tab 1 — Your Situation

You are on Social Security + Working past 65 + On a Company Plan

What This Means for You

Because you're already receiving Social Security benefits AND you have employer coverage, you're in a unique position when it comes to Medicare enrollment. Here's what you need to know:

Step-by-Step Guidance

Step 1: [Your content here — e.g., When you turn 65, you will be automatically enrolled in Medicare Part A. Since you have employer coverage, you may choose to delay Part B.]
Step 2: [Your content here — e.g., Check whether your employer plan is considered "creditable coverage" — this affects whether you'll face penalties later.]
Step 3: [Your content here — add as many steps as you need.]
✏️ This tab is ready for your content! Share your notes for Tab 1 and I'll fill it in with the real guidance.

Tab 2 — Your Situation

NOT on Social Security + Working past 65 + On a Company Plan

Your next step depends on the size of your employer. Answer the question below to get your personalized instructions.

How many employees does your employer have?

✔ Your employer has 20 or more employees
Step 1: Enroll in Medicare Part A only. You do not need to enroll in Part B right now — your company plan will remain your primary coverage.

Your new Medicare card will look like this:

Medicare
John L. Smith
ABC-123-XVZ
Part A   01/01/25
← Effective date of your Hospital coverage
Step 2: Take your new Medicare card to your HR department. This is all you need to do for now.
Note: When you retire, you will need to submit 2 forms to complete your enrollment:

• Part B application
• Form L-564 — filled out and signed by a company representative

At that point you would continue to Tab 5.
How coverage works: For large companies (20+ employees), your company plan is Primary and Medicare is Secondary when you enroll in Part A.
✔ Your employer has fewer than 20 employees
Step 1: Enroll in Medicare Part A and Part B. Because your employer is small, Medicare will become your primary coverage.

Your new Medicare card will look like this:

Medicare
John L. Smith
ABC-XYZ-1234
Part A   01/01/25
Part B   01/01/25
← Effective date of your Hospital (A) + Medical (B) coverage
Step 2: Take your new Medicare card to your HR department.
Important — How coverage works for small companies: Medicare becomes Primary and your company plan is no longer your main coverage. This is especially important when you complete the enrollment process with Gap and Drug coverage.

Tab 3 — Your Situation

On Social Security + Not Working – No Company Plan

What This Means for You

If you're already on Social Security and not working, Medicare enrollment is more straightforward — but there are still important steps to follow.

Step-by-Step Guidance

Step 1: [Your content here]
Step 2: [Your content here]
Step 3: [Your content here]
✏️ This tab is ready for your content! Share your notes for Tab 3 and I'll fill it in.

Tab 4 — Your Situation

NOT on Social Security + Not Working – No Company Plan

What This Means for You

This is one of the most important situations to plan carefully — since you're not yet on Social Security and have no employer coverage, knowing your Medicare enrollment windows is critical.

Step-by-Step Guidance

Step 1: [Your content here]
Step 2: [Your content here]
Step 3: [Your content here]
✏️ This tab is ready for your content! Share your notes for Tab 4 and I'll fill it in.

Tab 5 — Next Steps

Completing your Medicare enrollment

✏️ Tab 5 is ready and waiting! Share your notes for this section and I'll fill it in with the real guidance.