AARP Eye Center
My wife and I both work, I get medical coverage through my wife since she works for the government. This year in May I turn 65 but will still be working (as well as my wife). I am told that I can get Medicare Part A for free. Is that the case and are there benefits and or downsides to getting Medicare Part A with all this in mind?
RT
There isn’t a downside for having your FEHB and Medicare Part A - they will each pay their part of a claim that is covered by Part A Medicare. You have already paid for Medicare Part A by your payroll deductions for Medicare thru the years.
When you sign up for Part B then you will have to pay the Part B premium but that will be when you decide to stop working at your current job.
OPM.gov - Medicare and FEHB Enrollment
If a person is STILL working and has group employer benefits either as an employee or their covered spouse, the size of the company usually determines whether Medicare (Part A ) is primary or secondary and whether or not one has to sign up for Part B or if they can delay it until they lose their employer group coverage (not retiree coverage.
Some links for you -
Medicare.gov - Working Past 65 and Signing up for Medicare
Medicare.gov How Medicare Works with Other Insurance
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