Is it possible to delay the enrollment of Medicare Part A without penalty?

[compiler]

A wife has less than 40 work credits at the age of 65 but has her younger husband's employment group insurance. Can she delay the enrollment of Medicare Part A without penalty? Thank you for your answer.

 

[LostDollar]

A wife has less than 40 work credits at the age of 65 but has her younger husband's employment group insurance. Can she delay the enrollment of Medicare Part A without penalty? Thank you for your answer.

Caveat, not an agent.

This from AARP says yes, but you need to see what experienced agents say.

Employer coverage. If you or your spouse actively works and you have health insurance from that employer, you have the right to delay Part A as well as Part B enrollment until the employment ends. If you or your spouse has earned 40 work credits by that time, you can sign up for Part A without paying premiums or incurring late penalties. But if neither of you has earned 40 credits by then, you won't pay late penalties retroactively; however, you'll have to enroll in Part A during your eight-month special enrollment period to avoid penalties going forward.

How Much Is the Medicare Part A Late Enrollment Penalty?

It applies only if you have to pay a premium for Part A

www.aarp.org

 

[LostDollar]

A wife has less than 40 work credits at the age of 65 but has her younger husband's employment group insurance. Can she delay the enrollment of Medicare Part A without penalty? Thank you for your answer.

is working husband 62 yet?

 

[Chazm]

Just do nothing. She doesn't have to have A or B. She has group coverage

 

[Sam Atefi]

Part A is $0 if she has 40 work credits, and can work in conjunction with her employer coverage. Basically she can get additionally coverage for free.

Technically there is a late enrollment penalty for part A, but penalty is calculated as a % of her premium, and if premium is $0 then the penalty is $0.

The same is not true for part B or D, so make sure she keeps the Notice of Creditable Coverage for part B and part D from her employer to avoid paying for penalty on those later. If the group coverage is for <20 employees then that may not be considered creditable coverage.

 

[compiler]

Just do nothing. She doesn't have to have A or B. She has group coverage

Does this rule apply to the unemployed wife who has spouse employer's group of health insurance?

 

[somarco]

Can she delay the enrollment of Medicare Part A without penalty?

There is no LEP for Part A. Different rules apply if you, or your spouse, do not have enough credits for "premium free" Part A.

 

[LostDollar]

Part A is $0 if she has 40 work credits, and can work in conjunction with her employer coverage. Basically she can get additionally coverage for free.

Technically there is a late enrollment penalty for part A, but penalty is calculated as a % of her premium, and if premium is $0 then the penalty is $0.

The same is not true for part B or D, so make sure she keeps the Notice of Creditable Coverage for part B and part D from her employer to avoid paying for penalty on those later. If the group coverage is for <20 employees then that may not be considered creditable coverage.

(Caveat, not an agent.)

But employer coverage also creates an exception for the LEP, just as it does for Parts B and D.

How Much Is the Medicare Part A Late Enrollment Penalty?

It applies only if you have to pay a premium for Part A

www.aarp.org

 

[Fisher]

If the group coverage is for <20 employees then that may not be considered creditable coverage.

Explain this.

 

[Fisher]

Does this rule apply to the unemployed wife who has spouse employer's group of health insurance?

It does.