I'm covered by my spouse's employer. Do I need Medicare?

The rules follow the job, not the person. What matters is that your spouse is still actively working and the employer has 20 or more employees. When your spouse retires or the coverage ends, you'll have a Special Enrollment Period to sign up. Watch out for this common surprise: if your spouse retires first, your coverage can change at the same moment, even if you're the one turning 65.[LIZ REVIEW]

Your spouse's retirement date, employer size, whether the plan covers spouses who are Medicare-eligible, and whether you or your spouse contribute to an HSA.

1. 1
   Confirm with your spouse's HR how the plan treats a Medicare-eligible spouse.
2. 2
   Put your spouse's expected retirement date on your calendar.
3. 3
   Plan your Medicare start date to line up with the end of that coverage.
4. 4
   Talk it through with us.

• Turning 65I'm still working at 65. Do I need Medicare?
• Retiring After 65I'm retiring after 65. How do I sign up for Medicare?
• Advantage & SupplementWhat's the difference between Medicare Advantage and Medicare Supplement?

Every situation is a little different. Call us at 719-358-6696 — we actually answer the phone — or book a no-cost appointment.