@Pet123 wrote:
Thanks for the response. I been told that the 6 month lookback rule only applies if my current employer does not provide the same coverage as Part B and Part D Medicare plans . (Employer does not provide the same type of coverages in their High deductible plans for employees 65 and older. Mine does) So the reasoning I'm told is that if I turn 65 in Feb, Then apply for Medicare in July, I would be able to contribute for the first 6 months of 2022 (only 6 months worth). Is this correct?
I don't know enough about Medicare to answer that question definitively. However, the few reliable sources I consulted in the past few minutes say that you can delay enrollment and avoid late-enrollment penalties if you continue to work and keep your work insurance, but the 6 month lookback still applies. See page 4 here for example.
https://www.cms.gov/Outreach-and-Education/Find-Your-Provider-Type/Employers-and-Unions/FS3-Enroll-i...
