Wise Insurance

COBRA is NOT the same as employer coverage—and this mistake can cost you.

Many people assume they’re identical… but they’re not.

Before you rely on COBRA, make sure you understand the key differences.

It could impact your Medicare decisions more than you think.

COBRA and Medicare: This is what Retirees Need to Know to Avoid Costly Penalties- Part 3
Thinking about using COBRA when you retire? Here’s what most people don’t realize:
👉 COBRA is not considered active employer coverage
👉 That means it does NOT allow you to delay Medicare Part B
You only have 8 months after you stop working to enroll without penalty.
After that:
❗ You may have to wait
❗ And you could face lifetime penalties
This is one of the most common Medicare mistakes.
We’re here to help you avoid it.
📞 Reach out for a free review

Why does the government charge Medicare penalties? 🤔

A lot of people think it’s unfair—but there’s actually a reason behind it.

Understanding this could save you from paying higher premiums for LIFE.

Don’t wait until it’s too late—know the rules before you enroll.