I will be 65 in a month, still working and have insurance through my employer. I am trying to determine if I am required to sign up for part A. I have read / gotten various answers. A lady at 1-800-Medicare said I would be enrolled automatically, however I had read that this only happens if a person already receives social security benefits (which I do not). I read one article that said I would be automatically enrolled, then the next paragraph said I could defer. I would prefer not to enroll so I continue to contribute to my HSA account.
I was told I had to enroll in Medicare as that would become my primary insurance and the company's secondary. When I eventually retired I enrolled in a Medicare PPO.
You will also need to speak to HR. They would know the ins/outs of the company's medical insurance. When my dad retired, Medicare was the primary insurance and his secondary insurance covered his prescription and other stuff not covered by Medicare.
I also know of someone going through the process. He's going to be 65 in July. HR and other people said that it depends on how big the company is. The company he's working in is large. Therefore, the company's insurance will be the primary insurance. When he retires, then Medicare will become his primary...
I believe that if YOU are the employee, your sign up and defer at 65.
You may be able to use your employer for secondary insurance as Medicare doesn't pay for everything, only 80% and the secondary would pick the remaining 20% if approved. Also, through your employer, maybe you can get pharmacy, dentist, and eye glasses. Check with Human Resources.