Insurance Through Spouses' Job at Walmart
- Thread starter larymes
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Is the WM plan real insurance or is it ancillary coverage?
If a true major med plan that is primary, Medicare is secondary. They don't need Part B or D in that situation, and they don't need a MAPD (or Medigap) unless they want to drop the WM plan.
If a true major med plan that is primary, Medicare is secondary. They don't need Part B or D in that situation, and they don't need a MAPD (or Medigap) unless they want to drop the WM plan.
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If she were able to keep the WM plan she would have 2 primary carriers ........ WM and MAPD.
Medicare isn't supposed to allow that to happen.
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Page 28 all scenarios with group coverage:
http://www.medicare.gov/Pubs/pdf/10050.pdf
Another helpful resource from Medicare "Who Pays First"
http://www.medicare.gov/Pubs/pdf/02179.pdf
No .........
I'm saying you are not sure what kind of coverage they have.
Not my monkeys.
Not my circus.
I can say conclusively, that WM insurance for Medicare eligible spouses isn't worth the premiums they pay. They'd be better off on a medigap/pdp combination for less money. The only excemption is if they are on high dollar drugs and the drug benefit makes it worth it and when I say high dollar, I mean hitting the catastrophic phase on a typical part d in the first quarter.
I finally got word worked through the older local WM crowd, slowly pulling them all off the work place plans.
I finally got word worked through the older local WM crowd, slowly pulling them all off the work place plans.
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