What services does MyMedicareMike.com offer?

We help individuals understand, compare, and enroll in Medicare plans. Our team provides personalized guidance on Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans so you can make informed decisions with confidence.

Do you charge for Medicare consultations?

No, our services are completely free to you. As licensed and independent Medicare advisors, we’re compensated by the insurance carriers, not our clients.

What’s the difference between Medicare Advantage and Medicare Supplement Plans?

Medicare Advantage (Part C) replaces your Original Medicare and often includes extras like dental or vision. Medicare Supplement (Medigap) works with Original Medicare to help cover out-of-pocket costs such as copays and deductibles.

Can you help me review my current Medicare plan?

Absolutely. We provide free annual plan reviews to ensure your coverage still fits your healthcare needs and budget, since plans and costs can change each year.

When can I enroll or make changes to my Medicare plan?

The Annual Enrollment Period runs from October 15 to December 7 each year. During this time you can switch, drop, or enroll in new Medicare plans. Special Enrollment Periods may apply after certain life events.

Do you represent specific insurance companies?

No. We’re an independent agency and work with multiple top-rated carriers to find the plan that best fits your needs.

Can you assist if I’m turning 65 soon and new to Medicare?

Yes. We specialize in helping first-time enrollees understand their options, avoid penalties, and get started with the right coverage before their 65th birthday.

Do you offer in-person or virtual appointments?

We offer both. You can schedule a face-to-face meeting at our New York office or connect virtually from anywhere for the same personalized guidance.

What if I’m on Medicaid or have other health coverage?

We can help you coordinate your Medicare benefits with existing coverage—including Medicaid or employer plans—so you maintain important benefits and avoid gaps.

How can I get started with MyMedicareMike.com?

Call us or fill out the contact form on our website to schedule a free consultation. We’ll walk you through your options and help you choose coverage that gives you peace of mind.

Can I Keep My Employer Insurance Instead of Medicare At 65?

What Are People Asking?

● Can I stay on my employer plan after I turn 65?
● Do I HAVE to enroll in Medicare if I’m still working?
● Will I get penalized if I delay Medicare?
● Is my employer insurance better than Medicare?

Key Takeaways

● Yes, you can often keep employer insurance at 65 — but it depends on the details
● Employer size and creditable coverage matter more than age
● Delaying Medicare can be safe if done correctly
● Assuming your employer plan is “enough” without checking can be a costly mistake

Short Answer: Yes, You Can Often Keep Your Employer Insurance

Turning 65 does NOT automatically force you off your employer health plan. If you are still actively working and covered by a qualifying employer plan, you may be able to delay parts of Medicare without penalties.
But the key word is: qualifying.

Did You Know Employer Size Changes the Rules?

This is one of the most overlooked Medicare facts.
● 20+ Employees: Employer insurance is usually primary
● Fewer than 20 Employees: Medicare may become primary
If Medicare is supposed to be primary and you don’t enroll, you could face coverage gaps.

Still Working at 65? You May Not Need Full Medicare Yet

Many people today work past 65.
If you have active employer coverage, you may be able to:
● Delay Part B
● Delay Part D
● Avoid late enrollment penalties
This is NOT the same as doing nothing. This is a strategic delay.

Did You Know “Creditable Coverage” Can Protect You From Penalties?

Creditable coverage means your employer plan is considered comparable to Medicare. If your drug coverage is creditable, you can usually delay a Part D plan without a penalty.
If it is NOT creditable, penalties can follow you for life.
This is why reviewing your employer benefits early (9–10 months before 65) is so important.

Employer Insurance vs Medicare: It’s Not Always One or the Other

Many people assume they must choose one and cancel the other.
In reality, you may:
● Keep employer coverage and delay Medicare
● Enroll in Part A only (in some cases)
● Coordinate both coverages depending on your situation
There is no one-size-fits-all rule.

Biggest Mistake: Automatically Assuming Employer Coverage Is Enough

This is a very common — and very risky — assumption.
Potential issues include:
● Coverage gaps if Medicare should have been primary
● Drug coverage that is not creditable
● Future penalties when you finally enroll
A quick coverage review can prevent years of unnecessary costs.

How This Fits Into Your 65 Timeline

● 9–10 Months Before 65: Review your current coverage
● 6–8 Months Before 65: Ask smarter Medicare questions
● 3 Months Before 65: Make enrollment decisions
The employer coverage question becomes critical during the learning and decision phases.

Q & A: Employer Insurance and Medicare

Do I have to enroll in Medicare if I’m still working?

Not always. It depends on your employer size and coverage type.

Can I delay Part B without a penalty?

Often yes, if you have qualifying employer coverage from active employment.

Should I drop my employer plan at 65?

Not necessarily. Many people keep their employer coverage and delay Medicare strategically.

Is keeping employer insurance always the best option?

Not always. It should be compared carefully with Medicare before making a decision.

A Clear, Practical Takeaway

Turning 65 does NOT mean you must immediately switch to Medicare.
But it DOES mean you should review your employer coverage, confirm if it is creditable, and understand how it coordinates with Medicare.
Smart planning beats automatic assumptions — every time.

Choosing the Right Medicare Coverage

Selecting the best Medicare coverage depends on factors like your healthcare needs, budget, and preferred providers. You can choose between:

Original Medicare (Parts A & B): Allows you to see any doctor or
hospital that accepts Medicare but does not include prescription drug
coverage (Part D) or additional benefits.
Medicare Advantage (Part C): Offers bundled coverage with
potential extra benefits but may require using a network of providers.
Medigap (Medicare Supplement Insurance): Helps cover
out-of-pocket costs not covered by Original Medicare, such as
copayments and deductibles.

Key Medicare Enrollment Periods

It is crucial to enroll in Medicare at the right time to avoid penalties and ensure continuous coverage:

Initial Enrollment Period (IEP): A seven-month window starting
three months before your 65th birthday month.
General Enrollment Period (GEP): From January 1 to March 31
each year for those who missed their IEP.
Annual Election Period (AEP): From October 15 to December 7,
allowing you to switch or enroll in Medicare Advantage and Part D
plans.
Open Enrollment Period(OEP): From January 1 to March 31 for
those who missed AEP and want to make certain changes.
Special Enrollment Period(SEP): Can be used anytime during the
calendar year for those that meet certain criteria such as moving to a
new service area.

Finding Help with Medicare

Understanding Medicare can be complex, but you don’t have to do it alone. Licensed Insurance Brokers, Medicare.gov, and state health assistance programs can provide guidance tailored to your specific needs.

By taking the time to explore your Medicare options, you can make informed decisions that ensure you receive the healthcare coverage that best suits your lifestyle and budget.

Do I have to sign up for Medicare?

It depends upon your current coverage. If you are employed and your employer has over 20 employees then you can delay signing up for Medicare and avoid penalties.

Does Medicare cover Prescription Medications?

No, You will have to enroll in a stand alone Part D plan or a Medicare Advantage Plan(Part C) to get coverage.

I want to be able to go to any doctor/hospital, are there networks with Medicare?

There are no networks with Medicare and most doctors and hospitals accept it. However, Medicare does not cover 100% of services so a Medicare Supplement or Medicare Advantage plans is advisable.

Mike Miligi- Owner

For over 10 years, Mike has been assisting Seniors and other Medicare-eligible individuals in understanding the ins and outs of Medicare and Medicare Health Insurance options, including Medicare Advantage Plans(Part C), Medicare Supplement Plans(Medigap), Prescription Drug Plans(PartD), and Dental and Vision programs.

Mike is Licensed in seven States and Certified with 11 Insurance Carriers. He has helped thousands of individuals decide on the best course of action for their particular Health Insurance needs. Because Mike is an Independent Medicare Health Insurance Broker, he works for the client, not the Insurance Carriers, and is able to provide his clients with accurate and unbiased Health Insurance options.

Mike recertifies with CMS(The Centers for Medicare and Medicaid Services) annually, regularly completes Continuing Education Courses required by individual State Insurance Departments, and keeps abreast of industry trends and standards to offer his clients the most up-to-date information.