OldArmyCT said:
Ark03 said:
OldArmyCT said:
hypeiv said:
- When you turn 65 most are forced into Medicare part A which covers hospital and surgeries but can delay enrolling in B, C or D if you are still working and have qualified coverage
- No, when you turn 65 you ENROLL in the Medicare options you will be in later, that's all. They don't take $ until you participate. If you fail to enroll in that 6 month window you will be charged more when you do enroll. I enrolled at 65 but kept on my company plan until 68, and all I have ia A & B, I'm retired military so I'm eligible for Express Scripts and Tricare for Life, meaning I don't need a secondary. And I think what the OP is asking is info about a secondary. And frankly, choosing a secondary this late is going to cost, unless they choose one that is cheap but never pays anything.
Before you scare everyone who is still working past age 65, you actually can defer your Medicare enrollment if you are still working with creditable coverage and if your employer plan allows for it, without incurring a penalty.
Source is Medicare.gov.
When you do lose your employee coverage, you'll have your employer fill out the Request for Employment Information form from CMS, which Medicare uses to confirm you were eligible for the deferment without penalty.
In general, talk to Medicare and your employer about making these decisions, and not random sports forums. 
If you read my post I said I deferred and worked while on the company health plan past 65, but I enrolled at 65. Enrolling is not the same as being on medicare.
I can't speak to your specific situation, but for the benefit of others - I'd speak to Social Security/Medicare (not just a broker who sells Medicare supplement plans) to verify your information... BUT, you're creating pedantic distinctions that don't have any meaning. In the industry, "signing up" is analogous to "enrolling" in Medicare.
I'm not going to cite all the resources that show this because I don't want to further clutter the OP's post, but
Medicare and You is a fantastic resource (linked here in PDF) that answers just about every question someone would have. For this specific question, see page 16 regarding enrolling in parts A and B at age 65, page 23 regarding paying the late enrollment penalty UNLESS you enroll in a Special Enrollment Period, and then flip back to pages 17-18 regarding Special Enrollment Periods, which include the 8-month period following coverage ending due to your employment ending (which would be the situation of someone covered past age 65 by their employer).
That's all I say here. I think it's probably enough for someone who comes along who may have been confused or concerned by this discussion.
