Individuals should enroll in both Medicare Parts A and B at age 65 if they or their spouse are not currently receiving employer-based health coverage.
Retiree Coverage Options
Retiree coverage provides for secondary coverage on top of Medicare. This would alleviate the need for Medigap, Part D or a Medicare Advantage Plan. It would require enrollment into Medicare after the age of 65.
Federal retiree coverage provides primary coverage for individuals who do not enroll into Medicare but individuals will pay a penalty fee if they enroll in Part B at a later date.