- Thread starter
- #11
It’s not creditable, so yeah they’d have to enroll in D within 63 days.Caveat, NOT an agent.
So, if they are messing around trying to save money, the next question might be, is the Cobra coverage creditable for Part D?
I think, if it is, they would have 60 days from end of Cobra coverage to enroll in Part D.
Good point on the MySS account and the creditable coverage doc. I know those can be a pain to get up and running. I definitely will advise them that this is THEIR idea, not mine, to save some money. They seem pretty cool so hopefully theres no issues with this.Caveat, not an agent.
On the other side of that is all the posts I see relating to problems communicating with Social Security.
One thing I would suggest is they create mysocialsecurity accounts now, if they have not already done so,
And
MyMedicare accounts as soon as they have part A and can do so.
The other thing, is they probably should expect the possibility of delays in getting Part B if they choose that route. If they are healthy and want to take the responsibility themselves for chasing after Social Security if the Part B enrollment does not go smoothly, that's one thing. If they are ill and need smooth and prompt transfer from Cobra to Medicare, that may be another.
You may want to consider making them, not you, responsible for dealing with Social Security if there are problems.
Also, documentation.
I believe there is an employer attestation form they will need for that delayed part B application.
And
If they delay Part D, they should be prepared to offer the Part D carrier proof of creditable coverage for the time they were on Cobra.
and one other thing I forgot about.
Dental and Vision.
If the employer Cobra coverage includes Dental Coverage and Vision coverage SEPARATE from the health policy, they may be able to keep those for the 18 month period.
For example in my case, I was on my wife's employer group plan. That was health with a health carrier, dental with Delta Dental KS and vision with VSP.
The TPA immediately told me I could NOT be on the employer Cobra medical coverage, but there was no problem with me having the Dental and Vision coverage under Cobra for 18 months. That worked very well for me.
Oh thats interesting. Ill have to find out if they have dental and if its a separate policy. Was it expensive for the stand alone dental with your COBRA? Thanks for this!