Line up coverage before your employer plan ends.
Last day of work
Record your expected retirement date.
Coverage end date
Get the employer health coverage end date in writing.
Medicare start date
Confirm the Part A, Part B, medical, and prescription coverage dates.
Do not cancel existing coverage until the replacement coverage and effective dates are confirmed.
Write down the dates first
Get the employer coverage end date in writing. Then confirm your Part A and Part B status, applicable enrollment period, and desired Medicare plan effective date. Do not cancel existing coverage based only on an application being submitted.
Plan medical and prescription coverage together
A Medicare plan selection and an application for Part B are separate steps. Make sure medical and drug coverage begin when intended. If you are considering Medigap, review its enrollment protections and any underwriting before relying on that path.
Keep documentation of employer coverage
An enrollment period based on current employment may require employment and coverage information. Social Security can confirm the correct application and supporting documentation for your circumstances.
Resolve COBRA before it becomes a gap
COBRA is not current employment coverage for delaying Part B. Ask how it coordinates with Medicare and verify your Part B deadline rather than waiting for COBRA to end.
What to gather
- Expected retirement date
- Written employer coverage end date
- Medicare card or application status
- Employer benefits contact
- Drug coverage notice
- Doctors, prescriptions, and preferred pharmacies
Educational content reviewed September 7, 2026. Confirm current rules and specific plan details before enrolling.