Do I need Medicare if I am still working and have employer coverage?

If you are still working and have employer coverage, you may not necessarily need Medicare immediately. However, it is important to consider your specific situation and evaluate your healthcare needs. Several factors can influence the decision, such as the size of your employer and the type of coverage they offer. Medicare generally becomes primary if your employer has less than 20 employees, but it may be secondary if your employer has 20 or more employees. It is advisable to consult with your employer's benefits administrator, Medicare, or an insurance agent to determine the best course of action. Additionally, enrolling in Medicare Part A, which is usually premium-free, can provide additional coverage options in case of unforeseen circumstances or changes in employment status.