Medicare vs. Employer Insurance
Your consideration of whether to delay Medicare Part B only or both Medicare Parts A and B should be evaluated depending on current contributions to an HSA and other factors.
What many people do not realize is that you are eligible to start with Medicare the month you turn 65, even if you decide to keep working and have an employer insurance option. Depending on the cost of your employer insurance and the amount of your deductible and copays – you may be better off on a low or even no deductible plan through Medicare. This may even cost you less per month in premiums.
Next Steps Insurance offers a complimentary, unbiased consultation and comparison of staying on your employer insurance vs going onto Medicare if you find yourself in this situation. All that you need to do is reach out.