I am turning 65 next month. Should I pay for Medicare Part B? What about A? Or should I buy Prescription Drug (Part D)?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

If you are covered under an employer-sponsored medical plan the number of fellow employees determines whether you need Medicare Part B. If your employer had fewer than twenty employees on an average business day of the prior calendar year, you should enroll in both Part A and Part B since Medicare will be paying your claims (“primary”) before your employer’s medical coverage (which is “secondary”). If you work for a larger employer, you might want to delay Part B (which charges a monthly premium) and, if you have strong prescription coverage, you might delay buying Part D (“creditable coverage” letters will come to you annually from your employer’s insurer.) Some people buy Part B because they have a much higher deductible with the employer’s plan. Employees with Health Savings Account must not enroll in any Medicare at all if they want to keep contributing to the HSA fund. Keep in mind that Part A happens automatically unless you proactively deny it, so make your appointment with the Social Security office for consultation.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption