Medicare and Current Employer Insurance

To answer on the question “Medicare and Current Employer Insurance – How it works?” you need to know first whether Medicare is primary or secondary insurance. If Medicare is primary, then it pays the bills first, up to the limit of its coverage. The secondary insurance pays only after Medicare paid its share.  If Medicare is secondary, then it pays after the primary insurance paid.  If you do not have primary insurance, the secondary insurance will cover very little of your health expenses, or nothing at all. See more in When Medicare is Primary Insurance.

Medicare and Current Employer Insurance – Primary and Secondary Insurance

If you are still working:

  Medicare is the primary insurance if:

  • You 65 or older, entitled to Medicare and covered by a group health plan because you or your spouse is still working, AND the employer has less than 20 employees
  • You are disabled entitled to Medicare and covered by a large group health plan from your work, or from a family member who is working, AND the employer has less than 100 employees

  Medicare is the secondary insurance if:

  • You 65 or older, entitled to Medicare and covered by a group health plan because you or your spouse is still working, AND the employer has 20 or more employees
  • You are disabled entitled to Medicare and covered by a large group health plan from your work, or from a family member who is working, AND the employer has 100 or more employees

Medicare is primary insurance and pays first:

  • If you are covered by Medicare and Medicaid. Medicaid is secondary insurance.
  • If you have Medicare and employer group health plan after you retire, Your secondary coverage is your Retiree Coverage
  • If you have Medicare and COBRA coverage. Your secondary coverage is your COBRA.

 

Medicare and Current Employer Insurance – Should you delay Medicare Enrollment?

If Medicare is the Primary Insurance:

  • You should NOT delay Medicare enrollment, because your employer  insurance plan (being secondary insurance) may refuse to make payments until Medicare pays

If Medicare is the Secondary Insurance:

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For help finding the best Medicare or Individual Health Plan for you, please contact Liberty Medicare or call us at 877-657-7477.

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