at 65 you are eligible for medicare. if you're collecting social security benefits you would have automatically been signed up for part a which pays for hospital stays. but you have to sign yourself up for part b which pays for outpatient care and if you need drug coverage part d. medicare is your primary insurer in the situation you describe. but cobra is expensive and may not be necessary for you now that you're eligible for medicare. you should really look into signing yourself up for some kind of gap coverage -- either a medigap plan which helps to pay for things medicare alone does not or medicare advantage which is a private health plan that often pulls parts a b and c under one umbrella plan. i suggest you speak with someone for some personalized assistance. to find a counselor in your area visit medicare. gov.
at age 65 does primary insurance switch to medicare? . turned 65 in july 2013 covered under spouse's company insurance. spouse lost job in sept 2013 and we were covered by cobra however her insurance company states that since she is not an "active" employee my primary insurance is now medicare and cobra will cover what medicare does not.