Top 5 Things We Wish Beneficiaries Knew about Medicare – #3

When you are working for a small employer, Medicare is primary and your employer group health coverage is secondary. You need to enroll in both Medicare Parts A and B to avoid late penalties.

Be sure to also compare the cost of your group health insurance against a Medigap plans. Sometimes Medicare and a Medigap plan will be cheaper than staying on a small employer plan, where premiums tend to be higher.

Boomer Benefits provides free claims support for life for all of our Medigap and Medicare Advantage policyholders so that you are never alone in dealing with Medicare.

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Top 5 Things We Wish Beneficiaries Knew about Medicare – #3

5 thoughts on “Top 5 Things We Wish Beneficiaries Knew about Medicare – #3

  1. Do you have a question about how your employer coverage will coordinate with Medicare? Post it in the comments here and we’ll answer!

    • Yes, when you turn 65, you can leave your employer coverage and choose Medicare as your primary coverage and add a Medigap plan. However, if you choose to keep your employer coverage and you work at a large employer, that coverage will be primary and Medicare will be secondary.

  2. My school/church has fewer than 20 employees, but we join 2000 other schools for a group health plan. May I keep my private health plan and only join part A? Delaying B?

    K from Florida

    • That is probably a large group plan where Medicare will be secondary, but you should ask the benefits administrator at your employer to be certain.

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