Turning 65 often brings a major health insurance decision: Should you stick with your employer-sponsored coverage or enroll in Medicare? The answer depends on the size of your employer and how your current plan stacks up against Medicare.

If you work for a company with fewer than 20 employees, Medicare generally becomes your primary coverage, and it’s important to sign up for Part A and Part B on time to avoid late penalties. However, if your insurance is a group plan with an employer has 20 or more employees and offers a creditable group health plan, you may be able to delay Medicare Part B without penalty — allowing you to maintain your current insurance until retirement. 

We have years of experience and can help you compare premiums, deductibles, provider networks, and drug formularies between your workplace plan and what Medicare offers. We can help you understand which option gives you the best value and coverage. Remember: this isn’t a one-size-fits-all decision — the right choice hinges on your personal health needs, work plans, and finances.

Our services are never a cost to you, so please don’t hesitate to call our office and schedule an appointment (303) 887-8584. You can also scan the QR code and attend one of our in-person or virtual seminars to learn more.