I have been on the phone with my sister for the last few days. She has some big decisions to make about her Medicare coverage, and it can be a confusing process.
My sister turns 65 in October. Because she is currently receiving Social Security benefits, she will automatically be enrolled in Medicare Part A and Part B on the first day of her birthday month (October 1st) or the prior month if her birthday falls on the 1st.
My sister’s concern is her automatic enrollment in Medicare Part B.
Today, she has COBRA medical coverage from her husband’s previous employer. The employer stated that this coverage will remain in effect until January 6, 2026, if she pays her premiums. However, that is somewhat deceiving for two reasons. COBRA coverage is not considered a viable reason to opt out of Part B and generally COBRA benefits end once Medicare begins.