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Thanks for reply. If the unemployed wife at age of 65 enrolls in the premium free Medicare Part A before the younger employed spouse enrollment, will it stop the employed spouse contributing his HSA?
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Is it possible to delay the enrollment of Medicare Part A without penalty?
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I learn from the others replies. Delaying enrollment of Medicare Part A may avoid additional forms filled late when one retires and is ready to sign up Medicare Part B. It seems unnecessary to hurry signing up premium free Medicare Part A if one currently has employer sponsored group of health insurance and expect unlikely to get inpatient care. Do you agree?
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no.
Caveat, not an agent.
Delaying Part A enrollment WILL NOT eliminate the requirement to file additional forms with a late Part B enrollment to support the Part B employer SEP.
Advice you may have seen in another thread stated as given by a Social Security telephone advisor, was, in my non-agent opinion, incorrect.
I took part A when I turned 65. I did not have an HSA. I did not have to use Part A during the time my Medicare coverage consisted only of Part A. I took Part B later, using the employer health insurance sep. The ONLY reason I had any trouble with that process was because I did not understand one has to have the supplementary forms from ALL employers since one turned 65, not just the last one.
IMO it's easier to help someone apply for Part B when they already have A.
Group health coverage for employers with fewer than 20 employees is not automatically considered "non-creditable." It must meet specific actuarial standards to be deemed creditable, meaning it should provide a level of benefit coverage equal to or exceeding that of Medicare Part D Prescription drug coverage offered by private insurance companies prescription coverage. Smaller employer plans often don't meet these standards if their benefit levels or cost-sharing features fall short. For clarification on your specific case, detailed plan analysis is required. Source: [EXTERNAL LINK] - Small Employer Exception | CMS
Yes, if and only if the employer coverage was creditable(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 Awww.aarp.org
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If you have 40 quarters of FICA tax payments, I think the creditability of employer coverage for Part A is a given. You may be pushing this creditability concept a bit too strongly.
By that line of thinking, group health coverage for employers with more than 20 employees is not automatically considered "non-creditable" either. Any EGHP must meet the definition of what CMS deems to be creditable - group size has absolutely nothing to do with it.
I feel like I'm burning precious energy pointing real-world things out to a bot. But there may be actual humans that benefit from this at some point, as there seems to be a lot of industry misinformation surrounding the whole 'more than/less than' 20 employees subject.
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