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Still working? What Medicare enrollment looks like

Still working? What Medicare enrollment looks like

Medicare enrollment after 65

Planning to work past your 65th birthday? Here’s what you need to know to get started with Medicare.

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Medicare and your finances


Saving for Medicare

Learn how you can prepare for Medicare by contributing to a Health Savings Account (HSA).

Medicare and HSAs


Medicare and Social Security

Find out how your Social Security benefits can determine when your Medicare coverage begins.

Check the chart


Medicare, your dependents and you

Medicare, your dependents and you

Can your spouse share your Medicare benefits? How about your kids? Here’s what you need to know.

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Medicare, COBRA and commercial plans


Medicare while working

You don’t have to retire to claim your Medicare benefits. Here’s why you might want to enroll even if you’re still working past 65.

Learn more


Avoid gaps in coverage

Working past 65? Here’s how to transition from your employer-sponsored insurance to Medicare.



Stay covered


You haven’t missed out

My job has always been an important part of my life. And I've always taken pride in my career. But as I approached the age of 65, I was nervous. I wasn't sure when I would be able to retire, and I didn't know my options for Medicare. I had questions. What if I don't know exactly when I'm going to retire? What do I need to know about the financial impacts if I enroll in Medicare after 65?


Fortunately, getting answers turned out to be a lot easier than I thought. As I got closer to my 65th birthday, I started getting a lot of mail about Medicare. It made me want to learn more. I read articles. I visited and Then I spoke with friends who were also working past 65.


They recommended Aetna®. So I decided to speak with a licensed agent, who helped me understand my options. I found out I was eligible to enroll in an Aetna Medicare Advantage Plan that could save me money on my prescriptions and copays.


And with even more benefits than I had with my employer health plan. I was really surprised by how much I could maximize my benefits while paying less money each month.*


Then I talked with my company's HR department. My rep told me I needed to keep the right kind of health and prescription drug coverage through my company. As long as I did, I could keep my current coverage and wait to enroll in Medicare until any time after age 65. And, without paying a late-enrollment penalty.


They also talked about how my employer and Medicare coverage would work together if I chose to keep my current coverage and also enroll in Medicare. Like which plan would pay first when I see my primary care doctor.


In learning about my options, I found out that it was never too late for Medicare. That was a huge relief. And now I have a better idea of when I will be able to retire.


I know the facts, the financials and the benefits. I have everything I need to make my decision. And now I know that I'll continue to have good coverage, no matter what I decide.


Explore your Medicare options. It helped me, and it can help you, too.


*You’ll need to pay your Part B premium.

You haven’t missed out

Why delay enrollment

Learn why some people choose to delay enrolling in Medicare until after their 65th birthday. 


What else can I learn about Medicare?

Explore more about Medicare and learn what to expect as your enrollment date approaches.

I’m eligible now


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This information helps us provide information tailored to your Medicare eligibility, which is based on age.


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