← Who we serve
Still working? Delaying can be smart — or quietly expensive.
Employer coverage changes the Medicare rules, and the details are unforgiving: the size of your employer matters, COBRA does not count, and one HSA contribution too many can create a tax problem you did not see coming. Ten minutes of planning removes all of it.
Sound familiar?
- “Can I delay Part B without a penalty while I am on my employer plan?”
- “What happens to my HSA contributions when Medicare starts?”
- “What is my deadline once I finally retire?”
How we help
- ✓We check whether your employer coverage lets you delay safely — before you decide anything.
- ✓We time your Part A and HSA correctly, including the six-month lookback most people have never heard of.
- ✓We calendar your eight-month Special Enrollment Period so retirement never triggers a penalty.
Other situations
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Let's talk about your situation.
A short, no-pressure conversation — and a clear next step.