Quoted from BuckStrider

Quoted from bumblethru

IF YOU ARE 65 YEARS OLD, AND DON'T WANT TO RETIRE, AND WANT TO KEEP YOUR PRESENT HEALTH INSURANCE VIA YOUR EMPLOYER...........YOU CAN'T..........YOU HAVE TO TAKE MEDICARE!!!! And since you are still working and not taking your social security.....gov almighty will be sending you a bill every 3 months....PLUS.....you have to get a supplemental health insurance policy along side your medicare!!

Yup....extortion!!!

Quoted from joebxr

WOW, that's not what our company is telling us, so this is very confusing.
Can you provide link to this informatin so we can open dialog with our company to discuss what they
are telling us versus what you have presented.

Quoted Text

65-year-olds at small employers may be forced to use Medicare
March 13, 2013 4:40PM

The rules state that if the company has 20 or more employees, it must allow those over 65 to remain in the plan. But with fewer than 20 employees, the company can drop you from its plan, or require that you enroll in Medicare Part A, the free portion of Medicare, during the initial enrollment period. Then the company plan would become a secondary provider. And if the company plan provides a comparable drug benefit, there would be no need to sign up for Medicare Part D.

You can delay enrolling in Medicare, without penalty, if you have comparable health insurance through your employer or your spouse’s employer. Even if you plan to delay Social Security, don’t ignore Medicare. If you don’t have other employer insurance there are huge penalties.

The time to enroll in Medicare is in the three-month period before you reach age 65. There is actually a seven-month initial enrollment period, but you don’t want to test that extension. Medicare coverage won’t start until after your birth month and you could forget to enroll. You will pay a 10 percent increase in your monthly Part B premium for every full year that enrollment is delayed — if you do not have comparable insurance from your employer. And there is an additional penalty for late enrollment in Part D.

Plus, there’s an issue that few realize: If you sign up for a Medicare supplement plan within the first six months of eligibility, you cannot be turned down from even the most comprehensive plan because of your health situation. But if you delay signing up for a supplement plan after entering Medicare, you could be restricted from the plans that offer the most coverage.

Quoted Text

Basically, the answer is that you do not have to give up your employee benefit plan,
and can delay entering Medicare until you retire. But there is a possibility that your company could
drop you from its employee benefits plan when you reach age 65, so you should ask about their rules.

Quoted from Box A Rox

From Cissy's link

Quoted from bumblethru

We checked with the company's insurance broker.

They told us that a company with less than 20 employees......any that are 65+ must take medicare.

Companies with over 20 employees.......any that are 65+ can keep their employees health insurance coverage with no penalty when they do decide to retire/take medicare.

Quoted from JoAnn

Hi everyone!
I thought I would chime in and tell you my story as it is still unfolding. I work for a small company that has less than 20 employees. The company offers C.D.P.H.P. December 1 is when our new contract takes effect for 2014. I will be 65 years old in December 2013. I was told that because I was turning 65 in December, I had to take Medicare and couldn't take the insurance coverage offered by my employer. I decided to call Social Security and ask them. She told me that I had to apply for medicare since Iworked for a small company of less than 20 employees. I want to continue to work and not apply for Social Security. So I didn't know how I would pay for Medicare, because it is usually deducted from our Social Security check. She said that Social Security would send me a bill every 3 months. That cost will be $104 a month. She also told me that I had to purchase a separate supplement insurance policy that can not be a part of what the employer provides. So I did sign up online for my medicare. I haven't looked into a supplemental policy yet. So I have nothing to report on that. I don't know if this is better or not. I'm new to this. I will get back to everyone as I find out more about the supplemental coverage.

Quoted from joebxr

NEWS FLASH !!!!!
When you turn 65 you have to register with Social Security and at that
time you can receive Meicare part A FOR NO COST....that has been in place
for ages and has nothing to do with ACA....

So your original statement
"IF YOU ARE 65 YEARS OLD, AND DON'T WANT TO RETIRE, AND WANT TO KEEP YOUR PRESENT HEALTH INSURANCE VIA YOUR EMPLOYER...........YOU CAN'T..........YOU HAVE TO TAKE MEDICARE!!!! "
IS INACCURATE !!!!!
Why am I not surprised!!!!

Quoted from joebxr

Joann, Look at onine insurance that provides advantage plans for Schdy
They will usually offer 3  Medicare Advantage plans.
Base plan is $0 out of pocket cost
Next up is about $80/mth
Next up is about $125/mth

Differences appear to be copays and out of pocket maxs.
I know several people that have had the $0 base pland for several years
and are very happy with them.  Also, if you con't like your plan and
want to change to a different one, you can.

Medicare Part A and B, with the mid Advantage plan for me is less
than $200/mth and is better coverage, less out of pocket and less
copay than employer insurance...am saving approx. $70/mth by going this way.