Medicare Made Clearby Divine Path Financial

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Life Situation

COBRA

Why COBRA is not creditable coverage for Medicare.

COBRA lets you continue employer coverage after leaving a job — but it is not considered creditable coverage for delaying Medicare.

Key points

COBRA does not prevent Part B or Part D late-enrollment penalties.
You have an 8-month SEP for Part B starting when your employer coverage ends — not when COBRA ends.
Enroll in Medicare on time even if you keep COBRA temporarily.

Common questions

Does COBRA count as creditable coverage?
No. COBRA does not count as creditable coverage for Medicare Part B. If you rely only on COBRA past 65, you'll owe late-enrollment penalties.

Next steps

Working after 65 →Special Enrollment Periods →Penalties →Ask about COBRA + Medicare →

Related topics

Retirement

How Medicare fits with retirement, pensions, and 401(k)s.

Working After 65

Delaying Medicare while covered by employer insurance.

Employer Insurance

Employer size matters — 20+ employees vs. under 20.

Spouse Coverage

Covering a spouse who isn't yet 65.

Educational only. This information is not personalized advice. For your specific situation, verify at Medicare.gov or speak with a licensed Medicare professional.