Benefits

Medicare While Working

Medicare While Working

Who is Eligible for Medicare

Typically, you are eligible to enroll in Medicare Part A without having to pay a premium if:

  • you or your spouse worked for at least 10 years in Medicare-covered employment and
  • you are 65 years or older

You might also qualify for coverage if you have a disability or End-Stage Renal disease.

Understanding Medicare Enrollment While Working

Employees and their family members* who are enrolled in a UC employee medical plan may delay enrollment in all parts of Medicare until the UC employee retires or leaves UC employment, but we recommend the following:

Part A (Hospital) – Enroll when first eligible at age 65 

  • Enrolling in Part A when first eligible will speed-up Part B enrollment and ease your transition into the retiree medical plan when you are ready to retire. Your spouse should also enroll at age 65, if eligible.
  •  Part A will be your “secondary” insurance and may help pay as secondary toward your hospital expenses while you are enrolled in an employee medical plan.

Note:   Health Savings Plan members may not be enrolled in Medicare.  Delay enrollment in ALL parts of Medicare if you wish to participate in this medical plan.

  • Contact the Social Security Administration to confirm eligibility and to enroll in Part A.

Health Savings Plan and Medicare

Health Savings Plan members may not be enrolled in Medicare.  Delay enrollment in ALL parts of Medicare if you wish to participate in this medical plan.

Domestic Partners

The Domestic Partner of a UC employee should contact the Social Security Administration to clarify options and consequences of delaying enrollment in Part B.  If the Domestic Partner does not enroll when first eligible at age 65, it is likely s/he will pay a penalty for delaying enrollment in Medicare Part B. (This practice may be changing soon, please consult with SSA). 

Defer Enrollment

If you’re receiving Social Security, Railroad Retirement or Civil Service benefits, you’ll be enrolled automatically in Part A. If you want to defer enrollment, contact Social Security or follow the instructions sent with the Medicare card you receive in the mail. 

Even if you’re not receiving Social Security or the other benefits mentioned above, you may want to enroll in Medicare Part A, hospital insurance, because there is no premium if you have worked for 10 years and had Social Security taxes deducted. Your UC coverage will remain your primary coverage, and your Medicare Part A may contribute something toward your medical expenses. Contact the Social Security Administration (800-772-1213) to enroll.

If you have questions, please contact the Health Care Facilitator or Retirement Administration Service Center (RASC)