Final answer:
If an individual is age 65 and still working and covered under her employer's group health coverage, she can delay enrolling in Medicare Part B without penalty. Once employment or employer's coverage ends, they will have a special enrollment period to sign up for Medicare.
Step-by-step explanation:
If an individual is age 65 and still working and covered under her employer's group health coverage, she can choose to delay enrolling in Medicare Part B (medical insurance) without having to pay a penalty. It's important to note that if the employer has fewer than 20 employees, the employer's group health coverage is considered secondary to Medicare once the individual is eligible for Medicare.
However, if the employer has 20 or more employees, the employer's group health coverage is considered primary. In this case, the individual can choose to delay enrolling in Medicare Part B as long as they have creditable coverage through their employer. Creditable coverage means that the employer's coverage is expected to pay, on average, at least as much as Medicare's standard prescription drug coverage.
Once the individual's employment or their employer's group health coverage ends, they will have a special enrollment period of 8 months to sign up for Medicare Part A and/or Part B. It's important to apply for Medicare during this period to avoid potentially paying late enrollment penalties.