- Your current employment status is not a factor in whether or not you’re eligible for Medicare at age 65.
- If you initially decline Medicare coverage, you may have to pay a penalty if you decide to enroll at a later date.
You can get Medicare if you’re still working and meet the Medicare eligibility requirements.
You become eligible for Medicare once you turn 65 years old if you’re a U.S. citizen or have been a permanent resident for the past 5 years. You can also enroll in Medicare even if you’re covered by an employer medical plan.
阅读有关您有资格获得Medicare的信息，并仍在使用。
无论您是在进行65岁时，您是否正在工作，您仍然有资格获得Medicare覆盖范围。注册Medicare不是强制性的。事实上，您可能更喜欢雇主提供的医疗保健覆盖范围。但是，如果您推迟或拒绝Medicare覆盖范围，您可以支付某种形式的罚款。
We’ll go over some of the things you might consider before deciding to enroll in Medicare while still being employed.
部分A.
Medicare Part Ais the hospital coverage portion of Medicare. It includes services such as:
- inpatient hospital care
- inpatient心理健康服务
- inpatient康复服务
- hospice care
- limitedhome healthcare
- 有限的住宿skilled nursing facility
If you’re eligible for免费医疗保险部分A., there’s often very little downside to enrolling. You may be eligible for premium-free Part A if you paid into Medicare through payroll taxes for at least 10 years of employment.
如果您为拥有超过20名员工的大型公司工作，医疗保险政策可以作为二级付款人，并有助于填补现有覆盖范围内的差距，而无需您的任何额外费用。
如果您为一家小公司（较少的员工）工作或通过您的雇主进行健康保险计划，覆盖率最小，请注册Medicare可能有助于减少您的医疗费用。
Medicare将在这些案例中往往成为主要付款人，并且可以提供比目前收到的更好的覆盖范围。事实上，如果您发现您有资格获得Medicare福利并且尚未注册，您的小雇主的保险可能不会覆盖您。
在许多情况下，即使您被群体健康计划所涵盖，也最好申请Medicare部分A。延迟招生A部分可能会导致罚款如果您稍后注册。
B部分
Medicare Part B是提供医疗保险的Medicare的一部分。您可以使用它来涵盖各种门诊服务，例如：
- 医生的任命
- durable medical equipment likewheelchairs，步行者，和氧气设备
- laboratory testing, such asblood tests和尿液分析
- occupational therapyandphysical therapy
- other testing, such as成像测试and超声心动图
- 门诊医院和精神健康关心
- 疫苗接种流感, hepatitis B, and肺炎球菌病
通常，Medicare提供7个月的窗口，旨在围绕您的资格日期申请。这被称为您的初始注册期。您可以在第65岁生日的月份前3个月申请，在您的生日月份，以及3个月之后。
In many cases, you must enroll on time to avoid paying a延迟入学罚款for your Medicare Part B premium. However, if you or your spouse is employed when you become eligible, you may be eligible for an 8-monthspecial enrollment period。
During a special enrollment period, you can keep your existing group health plan for as long as it’s available. If you leave that employer or the employer terminates your coverage, you will typically have this 8-month window to enroll in Medicare without paying any late penalties.
部分A.
如果您没有资格获得免费部分A的任何原因，请在Medicare和雇主覆盖范围内最终耗费您的折扣，只需更好的利益。
Check your current plan against the most recentMedicare Part A premiums决定是否值得制作开关或拥有两者。
B部分
B部分常常需要额外的保费，可能导致您失去一些或全部雇主覆盖范围。
这standard Part B premiumfor most people in 2021 starts at148.50美元。这越高收入, the higher your rates will be.
If you keep your employer coverage and enroll in Part B, you’ll be paying a premium for coverage you may not need or use.
与您的保险提供者和Medicare Agent进行谈话，以了解B部分的注册将如何影响Medicare的未来入学和访问雇主赞助计划。
HSA contributions
如果你有助于一个health savings account (HSA), you won’t be allowed to continue contributing under Medicare.
Money from your HSA can be spent more flexibly than insurance or Medicare benefits, so consider this carefully before enrolling.
- 如果您符合条件但仍在雇主赞助计划下仍然投保，您无需立即注册Medicare。
- Usually, you can continue to receive benefits from your employer and enroll in Medicare when you’re ready to replace that coverage.
- You may want to join at least premium-free Medicare Part A, if you’re eligible when you turn 65 years old. The secondary coverage can help eliminate gaps in your group health plan and may help to save you money.
- 如果您为一家拥有少于20名员工的小型公司或与您的雇主提供健康计划，则可以改用全医疗保险覆盖率可能有意义 - 包括B部分和处方药益处。
- 根据您的收入，您将希望使用Medicare保费进行比较您当前的保费和医疗费用。