Free Guide · Still Working at 65?
The Working Past 65 Medicare Guide
Plain-English answers to the one question that trips people up: should you take Medicare now, or wait? Know the rules before your birthday — and skip the penalties and gaps that catch people off guard.
- Why your employer’s size (20+ vs. fewer) changes everything
- When to take premium-free Part A — and the HSA timing trap
- Whether you can safely delay Part B without a penalty
- Why COBRA and retiree coverage do not buy you time
- Your 8-month window when the job ends — and how to avoid a gap
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Why This Guide
The same walk-through I give my own clients.
I nearly made my own Medicare mistake before my sister asked one question. So I became an independent advisor to do the opposite of what almost happened to me — help people understand their options before they decide. This guide is that, in writing: no jargon, no pressure, and no plan being pushed on you.
— Cindy Kowalski, Founder of Eligry · Licensed Independent Medicare Advisor