Did you know?

You can have both Medicare and employer coverage.

If you have both Medicare and employer coverage, each is considered a payer. One pays first (the primary payer), and the other pays second (the secondary payer).

Who pays first depends on the size of your employer:

• If your employer has 20 or more employees, your employer coverage pays first, and Medicare pays second.

• If your employer has fewer than 20 employees, Medicare pays first, and your employer coverage pays second.

Still working and covered by your employer’s plan?

You may be able to delay enrolling in Medicare Part B without penalty, as long as your employer coverage is considered creditable. When your job or coverage ends, you'll qualify for a Special Enrollment Period to sign up for Medicare without facing late penalties.