SENIOR LISTENING

Many adults choose to work past age 65—or are covered by a spouse’s employer insurance—which raises important questions about how Medicare works alongside group health plans. The good news is you have options and understanding them can help you avoid gaps in coverage or costly late penalties.

If you’re still working and have health coverage through your job or your spouse’s job, you may be able to delay Medicare Part B and Part D without penalty. The key factors are employer size and whether the group health plan is considered creditable coverage.

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