Yes, you can go on Medicare even if your employer offers health insurance, but whether or not it makes sense for you to do so depends on your specific situation.
If you are eligible for Medicare, which typically occurs at age 65, you have the option to enroll in Medicare regardless of whether you have employer-sponsored health insurance. However, if you are still working and have employer-sponsored health insurance, you may not need to enroll in Medicare right away.
If your employer has fewer than 20 employees, Medicare becomes your primary insurance, and you will need to enroll in Medicare when you become eligible. However, if your employer has 20 or more employees, your employer-sponsored health insurance is considered primary, and Medicare is secondary. In this case, you may choose to delay enrolling in Medicare without penalty until you retire or lose your employer-sponsored coverage.
In summary, while you can enroll in Medicare even if your employer offers health insurance, it is important to consider your specific situation and determine what makes the most sense for you. If you want to talk with a Medicare expert, we can direct you to the appropriate resource. Contact our team for Medicare resources!
