[Lazamataz]

It’s horrible, but yes our POS government FORCES you to sign up for medicare at 65 or 66 I forget exactly , otherwise if you don’t do it then and need it or sign up later you are penalized with a MONTHLY FEE FOR LIFE (money you COULD be using for actual effective care of your choice!!)

Looks like you might be mistaken? Or does this not align with your experience?

Employer-Sponsored Plans:
If you work for an employer with a large health plan, they cannot force you to get Medicare at age 65. The exception is for people with end-stage renal disease who can be required to get Medicare.
Employees with access to large employer-sponsored plans have the choice to enroll in Medicare but are not obligated to do so.

Private Coverage and Historical Context: The system’s setup may have originated to facilitate seniors’ enrollment in Medicare when private coverage was less common. Over time, private coverage has become more widespread, but the policy remains in place.
In summary, while not mandatory, many individuals choose to enroll in Medicare at age 65 to access essential healthcare coverage. It’s essential to understand your options and timing to avoid penalties or gaps in coverage

I intend to work past 65, I need to know how to deal with this while having employer coverage.

[1Old Pro]

I intend to work past 65, I need to know how to deal with this while having employer coverage.

You can sign up for part A now and wait to sign up for Part B when you stop private coverage. Then make the decision as to what plan, that's the hard part.

[steve86]

Yes, if you’re on a qualified employer-sponsored plan you can ignore Medicare sign up at 65 with no future penalties.

[catnipman]

“I intend to work past 65, I need to know how to deal with this while having employer coverage.”

this is VERY important decision: its financial impacts are irreversible if you make the wrong decision: i strongly advise you to seek out reputable consultation and/or do a deep dive in the rules listed on the gov medicare site ... i wouldn’t take medical/financial advice on this site for a mosquito bite, much less something as important as medicare signup rules ...

[Libloather]

From what I gather, you must sign up for Social Security at least three months before turning 65 or Medicare penalties kick in. Once you’ve signed up for SS, you’re automatically enrolled in Medicare. Doesn’t mean you have to use it.

[dkGba]

I’m covered by my spouse’s employer plan. I have no intention of using Medicare- not until I need hospice- the kind of HEALTHcare providers I use, they don’t cover. It’s a SH$T forced system with penalties at a time in life when can least afford that.