Blue Cross Blue Shield of WNY

Working past 65?


Continuing to work after age 65 is more commonplace these days. If you do, you’ll still be eligible for Medicare; you’ll just have some different choices for how and when you get your benefits. View the options below based on the size of your employer.

If your employer has 20 or more employees

If your employer has fewer than 20 employees

You can delay enrolling in Original Medicare as long as you’re covered by your employer’s group health insurance. The group insurance must cover doctor visits and outpatient services, and have a Medicare-creditable prescription drug program.

Once you retire or leave work, you will be entitled to a special enrollment period to sign up for Parts A and B without incurring a late penalty.


You may be required to sign up for Medicare Parts A and B when you turn 65, even if you’re still working. Medicare would become your primary coverage, and your employer coverage would pay second.



Everyone’s situation is different. Talk to your employer’s benefit manager to find out how your insurance works with Medicare; then give us a call. We can help you figure out what will work best for you.

Now that you understand what to do if you're working past 65, here's what's next:



This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or copayments/coinsurance may change January 1 of each year. The Formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary. You must continue to pay your Medicare Part B Premium.

Out-of-network/non-contracted providers are under no obligation to treat BlueCross BlueShield of Western New York members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services. 

Medicare evaluates plans based on a 5-star rating system. Star Ratings are calculated each year and may change from one year to the next.

BlueCross BlueShield of Western New York is a Medicare Advantage plan with a Medicare contract and enrollment depends on contract renewal.

Y0086_MRK1789 Approved
Content Last Updated March 17, 2017