Turning 65 no longer means retiring - but it does mean Medicare. And for people who plan to keep working, that creates a confusing and often costly set of choices involving employer coverage, Medicare enrollment rules, and long-term penalties.
In Working Past 65: The Insider's Guide to Navigating Medicare While You're Still Employed, longtime industry insider and bestselling author Matt Feret explains how Medicare really works when you continue working, how it coordinates with employer health insurance, and how to avoid mistakes that can follow you for the rest of your life.
This is not a technical manual or a sales pitch. It is a practical, education-first guide written for employees, business owners, caregivers, and professionals who want clear answers before making decisions that affect both their healthcare and their finances.
Inside, you'll learn:
• When you must enroll in Original Medicare Part A and Part B - and when you should not
• How Medicare works with large and small employer health plans
• What happens to your spouse's coverage if you make changes
• How Health Savings Accounts (HSAs) are affected by Medicare enrollment
• When delaying Part B is allowed and when it leads to permanent penalties
• How COBRA, retiree plans, and union coverage interact with Medicare
• What to consider if you change jobs, reduce hours, or retire later
• Common traps that catch working professionals off guard - and how to avoid them
Drawing on decades spent inside national and regional insurance companies, Matt explains not only what the rules are, but why they exist - and how to use that knowledge to protect your flexibility, your income, and your access to care.
Whether you are an employee approaching 65, a business owner evaluating your options, helping a spouse or parent navigate the process, or simply planning ahead, this book provides the clarity most people never receive until it is too late.
Part of The Insider's Guide® series, Working Past 65 is designed to help you make confident, informed decisions about Medicare while continuing to work - without unnecessary stress, surprises, or costly mistakes.
