MEDICARE MARKETING ASSOCIATION

MEDICARE MARKETING ASSOCIATION

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David

Is this statement Re: enrolling in Part B true or false and why?

Regional Sales Director at AgencyBloc

If there are fewer than 20 employees at the company where you or your spouse currently work, Medicare is your primary coverage. You should not delay enrollment into Part B. If you decline Part B, you will have no primary insurance, which is usually like having no insurance at all.

  • Comment (99)
  • May 23, 2012
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Comments

  • Michael

    Michael C.

    Chief Cook and Bottle Washer at KMC Insurance Consultants

    Is this a test?
    What do I get if I pass? Lol.....
    I have what I think is an answer based on experience, not on knowledge of rules and regs bur real life experience so let me know and I may answer...

  • Joe C.

    Joe

    Joe C.

    Author of "Medicare Primer"

    True statement! It's in the Medicare & You book.

  • Michael

    Michael C.

    Chief Cook and Bottle Washer at KMC Insurance Consultants

    But.......in real life, Joe, your statement is false.....not the one about it being in the book but the fact that the posted statement is TRUE. It is not....

  • Joe C.

    Joe

    Joe C.

    Author of "Medicare Primer"

    If your employer has fewer than 20 employees, you should enroll in Medicare as soon as you are eligible because it becomes the primary payer, even if you have not enrolled. That means that your employer's plan will not pay for any expenses covered by Medicare. These rules apply to your wife as soon as she is 65; until that time, she can continue on your employer plan as long as you keep the coverage for yourself as secondary.

  • Michael

    Michael C.

    Chief Cook and Bottle Washer at KMC Insurance Consultants

    Part B is for doctor fees which is the optional part of Medicare, as you obviously know, and if you are covered by a group plan, you are not penalized for waiting to enroll in Part B BUT you are still enrolled automatically in Part A at age 65 which is for hospitalization. Now I'm Joe Blow and I work at ABC which I have a card that says I have a $20 co-pay for my doctor visits and I go to my doctor....I go to my doc, I pay my $20, I go home. That's real life.
    But the question I will ask of you is...does Medicare specifically exempt groups of less than 20 employees from late Part B enrollment penalties for Medicare benficiaries?
    Will they be penalized if they wait the extra time while they are working and still covered at work?
    If so, that is valued news to pass along to the worker...
    But you do see what I was saying about real life I hope...the docs office is not going to ask me questions and unless the carrier raises a stink because of my age, then real life prevails.

  • Michael

    Michael C.

    Chief Cook and Bottle Washer at KMC Insurance Consultants

    PS....your statement was your employers plan will not pay for any expenses covered by Medicare....so my point was if I DON'T enroll in Part B as I can wait until my group coverage expires, then I am covered by the group plan in real life because Medicare will not cover the doctor charges.

  • Laci W.

    Laci

    Laci W.

    Field Sales Manager at Sterling Health Plans

    Just throwing my thoughts in here....from my knowledge and everything I've come across, if you and/or your spouse are still working, but the employer has less than 20 employees, then when you turn 65, you will need to take part B during your enrollment. If you choose to not take part b, then your group plan will continue paying your doctor bills, etc., just like it has done in the past. However, when the time comes for you to enroll in Part B, then you WILL be penalized for not enrolling during your open enrollement period.

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