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.

Still Working at 65: Should I Sign Up for Medicare or Wait?

Key Take Aways

Can I Keep My Employer Insurance Coverage? Can I Delay Signing Up For Medicare? Will I Get A Penalty? Is Medicare Coverage Better Than Employer Coverage?

The Core Question Isn’t Age — It’s Coverage

Medicare eligibility is based on age, but Medicare need is based on coverage. If you’re still working at 65 and have employer health insurance, the real question is:
How does my current coverage work with Medicare?
The answer depends on factors most people are never told to consider.

Employer Size Matters More Than Most People Realize

One of the biggest factors in this decision is the size of your employer. In general:
● Large employers often allow Medicare to be delayed
● Smaller employers may require Medicare to become primary
This distinction affects:
● Whether Medicare pays first or second
● Whether delaying enrollment creates future problems
● Whether employer coverage is enough on its own
Assuming that all employer insurance works the same way can lead to
costly mistakes.

Can I Delay Medicare Without Penalty?

In many cases, yes — but only under the right circumstances. Delaying Medicare works best when:
● Employer coverage is considered creditable
● Enrollment is handled correctly later
● Documentation is maintained
Penalties don’t usually come from choosing to delay — they come from delaying incorrectly.

Why Some People Enroll in Medicare While Still Working

Even with employer insurance, some people choose to enroll in
Medicare at 65.
Common reasons include:
● Reducing out-of-pocket costs
● Improving coordination of benefits
● Preparing for retirement ahead of time
This decision is less about rules and more about how coverage works together.

Why Others Choose to Wait

For others, delaying Medicare makes sense.
This often applies when:
● Employer coverage is strong
● Costs are predictable
● Medicare would not improve coverage
Waiting can be a strategic decision when it’s done intentionally.

The Risk of Doing Nothing

One of the most common mistakes is assuming:
“If I don’t do anything, it will sort itself out.”
Unfortunately, Medicare does not work that way.
Failing to understand how employer insurance and Medicare coordinate can lead to:
● Gaps in coverage
● Unexpected bills
● Enrollment issues later
Choosing not to decide is still a decision.

How to Think About This Decision

Instead of asking:
“Do I have to sign up for Medicare now?”
A better question is:
“Does enrolling now improve or complicate my current coverage?”
That perspective leads to clearer, more confident decisions.

Q & A: Medicare and Employer Coverage

If I’m still working, do I have to sign up for Medicare at 65?

Not always. Whether you need to enroll depends on how your employer coverage coordinates with Medicare.

Can I keep my employer insurance and delay Medicare?

In many cases, yes — but the employer’s size and coverage type matter.

Will I be penalized for waiting?

Penalties usually occur only when Medicare is delayed incorrectly.

Is enrolling early always safer?

Not necessarily. The goal is proper coordination, not early enrollment.

A Measured Takeaway

Still working at 65 doesn’t automatically mean you should delay Medicare — or rush into it. The right decision depends on how your current coverage works, how Medicare would integrate, and how close you are to retirement. When this decision is made with understanding, Medicare becomes a tool — not a complication.

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.