Employer coverage
Confirm the exact final day of active coverage and whether any retiree benefits continue.
Leaving employer coverage
Retiring after 65? Coordinate Medicare before your coverage ends.
The order and timing matter. Greg helps people move from employer coverage to Medicare without an avoidable gap or late-enrollment surprise.
Ask Greg: (805) 202-6313A clean transition has three moving parts
Medicare Parts A & B
Submit enrollment documentation early enough for the intended effective date.
Additional coverage
Coordinate a supplement and Part D plan or Medicare Advantage coverage.
Do not assume COBRA protects your Part B enrollment rights
This is one of the most expensive Medicare misunderstandings. Medicare’s rules distinguish coverage based on current employment from COBRA and retiree coverage. Review your situation before your employer insurance ends.
Call before submitting forms
Greg can help you work backward from your retirement date, identify the decisions you need to make and compare the Medicare coverage available in your county.
Common questions
Frequently asked questions
Can I delay Part B while working?
Many people covered through current employment can delay Part B without penalty, but the answer depends on the employer and coverage. COBRA and retiree coverage are not treated the same as active-employment coverage.
Is COBRA a substitute for Medicare after 65?
COBRA generally does not extend your Medicare Part B Special Enrollment Period. Get advice before electing COBRA as your primary post-employment coverage.
What documents might Social Security require?
People enrolling after 65 commonly need an application for Part B and employer verification showing coverage based on current employment. Requirements can vary by situation.
One conversation can make this simpler
Talk with Greg about your Medicare timeline.
No call center. No obligation. Just straightforward, personal help.