Medicare is your primary coverage. If you have not yet enrolled, you should enroll during your Initial Enrollment Period. If you decline Part B, neither Medicare nor your job coverage (with limited exceptions) will pay for your doctors' services and other medical care.

Your employer group health plan is your primary insurer. You do not need to enroll in Medicare if you are satisfied with your job coverage.

To find out more about employer insurance and Medicare, click on the link in the GO TO box.

In either case, you qualify for a Special Enrollment Period, which means you can delay enrollment in Part B without penalty if you were covered by employer health insurance through your or your spouse’s current job when you first become eligible for Medicare. You can enroll in Medicare without penalty at any time while you have group health coverage and for eight months after you lose your group health coverage or you (or your spouse) stop working, whichever comes first.