Still Working at 65? Free Medicare Decision Tree

Turning 65, or already past 65, and still covered by your job or your spouse's job? This free one-page decision tree walks through the five questions that decide whether you can wait on parts of Medicare.

WHAT'S ON THE PAGE

• Is your coverage from a job someone is doing now? Why COBRA, retiree, VA and Marketplace coverage don't count
• Employer size: 20 or more employees, the job plan pays first; fewer than 20, Medicare pays first
• HSAs: why any part of Medicare ends contributions, and how Part A can start up to 6 months back
• Creditable drug coverage and the 63-day rule
• Your spouse: a spouse 65 or older has their own Medicare dates, and a spouse under 65 can't get Medicare through you
• Key windows when you retire, and where to get free, unbiased help

HOW IT WORKS

Free instant download. It's a PDF you can print or save to your phone.

WANT TO WORK OUT YOUR OWN DATES?

The Still Working at 65? Medicare Timing Kit has a timing calculator, questions for HR and a sign-up checklist.

PLEASE NOTE

This is general educational information, not legal, tax or insurance advice. It does not tell you when to enroll. Different rules apply if you have Medicare because of a disability or End-Stage Renal Disease, or if you have TRICARE. Confirm your situation with Social Security, your plan and your free SHIP counselor. The Denial Desk does not sell insurance and is not affiliated with or endorsed by Medicare, CMS, Social Security or any government agency.

AI disclosure: This guide was drafted with help from AI tools, then reviewed and fact-checked by our founder, a certified medical coding professional.