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How does Medicare work with my job-based health insurance when I stop working?

By November 19, 2021Medicare

Once you stop working, Medicare will pay first and any retiree coverage or supplemental coverage that works with Medicare will pay second.

You may be able to get COBRA coverage to continue your health insurance through the employer’s plan (usually up to 18 months).

Don’t wait until your COBRA coverage ends to sign up for Part B — Getting COBRA doesn’t extend your limited time to sign up for Medicare.

If you get COBRA: Before you sign up for Medicare – Your COBRA coverage will probably end when you sign up for Medicare. (If you get Medicare because you have End-Stage Renal Disease and your COBRA coverage continues, it will pay first.)

If you get COBRA: After you sign up for Medicare – COBRA pays after Medicare (unless you have End-Stage Renal Disease).

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Patricia Carrera

Author Patricia Carrera

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