Hello, my name is Matthew Carter, owner of A.C. & A. in Lagrange Ky.  We are independent insurance brokers who specialize in Medicare planning.  Today we are going to discuss retirement for those individuals that are over 65 years of age and continuing their employer health insurance.  Those individuals considering retirement must choose a Medicare option within 63 days of leaving their employer plan, if they have Medicare Part A & B. This rule applies to guarantee issue Medicare supplements, Part D prescription drug plans and Medicare Advantage plans.  Finally, those that have Medicare Part A and are enrolling in Part B; must notify Medicare of the date they are leaving the employer plan.  This will activate Medicare as their primary coverage.   For more information Google Medicare Supplement Lagrange, Ky.  A. C. & A., Medicare done right the first time.