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Monday, November 9, 2026Nov 9

I’m turning 65 with retiree benefits … why do I need Part B?

Good day, Toni,

We saw your article about Medicare Part B enrollment in our local newspaper, but my wife’s and my Medicare enrollment situation is different. We will both turn 65 this year, me in June and Carol in September. I have signed up for Medicare Part A only, and Carol will enroll for Part A soon.

I retired when I turned 63 with fantastic retiree benefits for both me and my wife. Currently, I am being paid as a 1099 contract worker, so I do not have health benefits with the company where I am working part-time.

We do not see a need to sign up for Medicare Part B because of our coverage under a retiree employer group health plan. Are we correct in this assumption of us not enrolling in Part B? Neither the HR department nor Medicare can give us a straight answer, and we need guidance.

Please explain what you as a Medicare consultant would recommend that we do about applying for Part B with retiree benefits. Thanks in advance, Toni.