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Working past 65?

Continuing to work after age 65 is more commonplace these days. If you do, you’ll still be eligible for Medicare - you’ll just have some different choices for how and when you get your benefits. View the options below based on the size of your employer.

If your employer has 20 or more employees If your employer has fewer than 20 employees

You can delay enrolling in Original Medicare as long as you’re covered by your employer’s group health insurance. The group insurance must cover doctor visits and outpatient services, and have a Medicare-creditable prescription drug program.


Once you retire or leave work, you will be entitled to a special enrollment period to sign up for Parts A and B without incurring a late penalty.

You may be required to sign up for Medicare Parts A and B when you turn 65, even if you’re still working. Medicare would become your primary coverage, and your employer coverage would pay second.




Everyone’s situation is different. Talk to your employer’s benefit manager to find out how your insurance works with Medicare, then give us a call. We can help you figure out what will work best for you.

Medicare Questions?

We're here to help.

1-833-735-4511 (TTY 711)

Oct. 1 - Mar. 31, 8 a.m. - 8 p.m., 7 days a week
Apr. 1 - Sept. 30, 8 a.m. to 8 p.m., Monday - Friday

Highmark Blue Cross Blue Shield of Western New York (Highmark BCBSWNY) is a trade name of Highmark Western and Northeastern New York Inc., an independent licensee of the Blue Cross Blue Shield Association. Highmark BCBSWNY is a Medicare Advantage plan with a Medicare contract and enrollment depends on contract renewal. Highmark BCBSWNY complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-833-735-4515 (TTY 711). 注意:如果您使用繁體中文,您可以免費獲得語言援助服務。請致電 1-833-735-4515 (TTY 711).

Content last updated: October 1, 2021