People often ask “can I enroll in Medicare any time after turning 65?” The answer depends on your situation.
If you do not enroll in Part A and Part B of Medicare while you continue to work and are covered under an employer-sponsored plan, you can turn on your Medicare Part A and Part B to coincide with the termination of your employer-sponsored plan. Depending on the size of your employer, you may or may not be subject to any type of late enrollment penalty under Medicare.
If you’re going to continue to work and be covered under an employer-sponsored plan, you can turn on your Medicare Part A and Part B later, even before you’ve retired, as a late enrollee. Which means that in January, February, or March of any year you can enroll in Part A and Part B of Medicare, and your Part B of Medicare will then be effective July 1st of that year that you enroll.
Again, if you’re going to continue to work you can enroll in Part A and Part B of Medicare as a late enrollee. If you’re going to retire, you can turn on your Part A and Part B of Medicare to coincide with your termination of your employer-sponsored plan.