Four Facts You Should Know About Medicare & Retirement

March 31st, 2025

If you’re planning to retire soon, Medicare should be part of your conversation — just like Social Security and pensions.

✅ Medicare Starts at 65 for most

Even if you retire later, you can sign up for Medicare at 65 to avoid late penalties. That’s your Initial Enrollment Period.

✅ Factor Medicare Into Your Budget

Most people get Part A for free, but Part B and Part D come with monthly premiums. You may also want Medigap or Medicare Advantage for more complete coverage.

✅ Employer Coverage? Coordinate Carefully.

If you’re still working and have employer health insurance, you might not need full Medicare yet. But talk to HR or a Medicare advisor to avoid gaps or penalties.

✅ Medicare Doesn’t Cover Everything

It doesn’t include long-term care, dental, or vision by default. Include those costs in your retirement plan

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