For Producers

If you have insurance through your employer or spouse’s employer when you become eligible for Medicare, you can delay Medicare enrollment without penalty.

You also have the option of enrolling in Medicare while still receiving company provided insurance. Medicare can work with employer provided insurance, but does so differently based on the size of the employer. If the employer provided insurance comes from a company with fewer than 20 employees, then Medicare pays primary, and you may be required to activate Part B at the same time your Part A goes into effect. To find out if you need to activate your Part B benefits, contact your employer’s benefits manager. If your employer provided insurance comes from a company with more than 20 employees, Medicare pays secondary.

Once you stop working or lose your employer coverage, you have an eight month window to enroll in Part B without penalty.

Original Medicare provides coverage in all 50 states, the District of Columbia, Puerto Rico, U.S. Virgin Islands, Guam, American Samoa and the Northern Mariana Islands. However, in most situations Original Medicare will not pay for healthcare outside the United States. Some Medicare Supplement (Medigap) plans include emergency foreign travel coverage if you are outside of the country (up to plan limits). Some Medicare Advantage plans may also cover emergency care abroad. Contact your plan for more information about its coverage rules.