Employer-sponsored coverage: Some retirees may keep health insurance through their employer after age 65. This is helpful but may not be affordable for those shifting to part-time or freelance work.
COBRA coverage: The COBRA law lets you continue your workplace coverage temporarily after leaving a job. However, premiums are often high and it’s not a long-term solution.
Medicare: Once you’re 65, you’re eligible for Medicare. While Original Medicare (Parts A and B) provides essential coverage, it may not meet all your needs—especially if you want prescription, dental, or vision coverage.
All-in-one convenience: Medicare Advantage (Part C) bundles hospital, medical, and often prescription drug coverage—plus extras like dental, vision, and hearing benefits.
Predictable costs: These plans cap your yearly out-of-pocket costs and may offer low premiums, making them attractive for retirees living on fixed incomes.
Wider provider access: With PPO and HMO options, you may gain access to more providers, specialists, and pharmacies—helpful if you plan to move during retirement.
Additional services: Many plans offer wellness programs, gym memberships, telehealth, nurse helplines, and caregiver support to help you stay healthy and independent.
Our local benefit specialists are available to answer your questions and provide personalized support. Call us at 1-800-961-4572 (TTY: 711).