This is what I was told, as long as Im on an employer sponsored plan. There is no penalty when I take Medicare.
It depends on the number of employees on the plan. My wife is covered under my health insurance plan at work, it's a family plan. The factor for her having to start the Medicare was because we have less than 20 people on the plan at my company. I am pretty sure more than 20 would eliminate the penalty like you said.
My wife works for a very large company.
There are 10s of thousands of employees worldwide
I think there are over 10,000 employees here in Tucson alone.
