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Not sure what plan is right for you? Take Our Medicare Quiz

I have group insurance through my employer, do I still need Medicare?


If you continue to work you may have the option to keep your current insurance. In most cases, we find it more cost effective to leave the employer plan and go on Medicare with secondary insurance. Your options are:

  • Keep your current insurance through the employer. If you do this, we highly recommend that you DELAY your Part B benefits. There is no reason to pay for Part B when you have creditable coverage through your employer that you already pay for.
  • Move to Medicare and enroll into a Medicare Supplement (Medigap) Plan to help cover the gaps in Original Medicare (add on a Part D).
  • Move to Medicare and enroll into a Medicare Advantage Plan.

Once you lose the coverage through your employer, whether you retire or your group plan drops you, then you will need to enroll in Part B and start to look at the different options for coverage available to you. 

Learn More: I Have Drug Coverage Through My Employer, Do I Need a Medicare Part D Plan Too?

People Also Read: What is the Part D (prescription drug plan) Late Enrollment Penalty?

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Senior Healthcare Solutions, you truly stand out from most other insurance agents. Thank you so much for all of your help and I know that you will have nothing but success with how you conduct business.

Joan B.

Montgomery, AL

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