If you work for a company with under 20 employees Medicare would be your primary health insurance, so you should investigate Medicare Insurance Plans. If you work for a company with over 20 employees Medicare would be secondary to your work insurance so you may not need to take Medicare. It is always advisable to check with your HR (Human Resources) department before you turn 65 and ask them what would be best for you. You may also want to compare your work health insurance against Medicare Insurance Plans in your area for premiums and benefits. Many Medicare Advantage Plans offer additional benefits to Original Medicare with low out of pocket cost for medical and offer prescription drug plans included in the plan.

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