I’m 65 and I still work–should I even consider Medicare?  You are Medicare-eligible.  If your employer provides healthcare coverage, it will normally be secondary and Medicare primary.  You should consult your employer’s benefits administrator for specific details about your coverage.

What happens when I retire? Not all employers offer health insurance to retirees.  Your employer’s benefits administrator will be able to answer your questions.  If you are thinking of dropping or changing your health plan, call HICAP at 800-­434-0222 for an appointment to make sure you understand your options.

What is COBRA? COBRA is a Federal law that allows you to temporarily continue your group health benefits when your coverage would otherwise end.  How COBRA works with  Medicare can be complicated.  Contact HICAP at 800-­434-0222 to discuss your specific circumstances and options.