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as you approach your 65th birthday theres no doubt youve started to receive information in the mail about medicare a lot of information which path will you take on your healthcare journey whether youre ready to retire the day you turn 65 or plan to keep working there are a few things to consider first its important to determine what type of coverage you will have access to when you retire take some time to meet with your employers benefits team your retiree coverage could be enough or you may want to add medicare as a secondary option in some cases medicare may even take over as your primary insurer when you turn 65 with your retiree coverage backing it up if you dont enroll during your initial enrollment period you can face penalties even more serious if you dont plan carefully you could end up with a gap in your coverage questions to ask what are my coverage options once i turn 65 should i consider adding medicare how will my familys coverage be impacted still hard at work if