IEP question

[123insure1900]

Here is the hypothetical situation which I run into frequently, but have yet to get a straight answer.

A person turns 65 on June 15th and uses his or her IEP to enroll in Part A for a June 1st effective date. This person believes they will be continuing to work, so that they can continue their group coverage and delay Part B (more than 20 employees at company so Medicare is secondary).

In August, this person suddenly decides they want to retire at the end of the month and would, therefore, be looking for Part B to begin on September 1st. To enroll in Part B, would the person be using his or her IEP or would the person be using a SEP?

Just curious because if this person uses their IEP for Part B then, according to the chart, their Part B coverage wouldn't begin until November 1st.

 

[TwoCents]

A person whose IEP overlaps with an SEP to take Part B cannot choose between the two. SSA operations guidelines specify that the Original Medicare IEP takes precedence over the Part B SEP. This is from the SSA online procedural manual.

 

[123insure1900]

Okay, so in this instance, what would the individual's Part B effective date be? Could the Part B effective date be chosen or would they end up getting stuck with a November 1st effective date since they have to use their IEP?

 

[TwoCents]

Okay, so in this instance, what would the individual's Part B effective date be? Could the Part B effective date be chosen or would they end up getting stuck with a November 1st effective date since they have to use their IEP?

Not ignoring the question, just have a headache right now (unrelated to this haha).

 

[obewan]

This is education for me too but does the IEP come into play if it's only Part A they're getting?

 

[LostDollar]

I was just looking and see I forgot about disability issues. let's forget about those for the moment and just focus on T65.

It is attainment of an age that triggers the IEP, not acquiring an insurance product. A few people take neither Part A or Part B. They still have an IEP.

edit
centered around their 65th birthday. (Even if they chose not to use it.)
end edit.

 

[Chazm]

Looks like a Nov 1 to me.

 

[LostDollar]

Okay, so in this instance, what would the individual's Part B effective date be? Could the Part B effective date be chosen or would they end up getting stuck with a November 1st effective date since they have to use their IEP?

Carefully read the Part B application form.

 

[123insure1900]

LostDollar- do you think you can make life easier by saying what you read rather than telling me to carefully read the Part B application form?

Also, what a form says and reality do not always match up. I am sure I am not the only person who runs into this scenario.

Any help, from personal experience, will be greatly appreciated. Thanks

 

[Todd King]

When turning 65, the IEP should always come first before any SEP. At least that is my understanding.