Medicare Part A only pays inpatient hospital care after group health plan coverage unpaid, right? If an employee at 65 does not enroll in Medicaid Part A because of having employer-sponsored health insurance, is there any negative effect or consequence? Thank you for your answer.
Is there any negative effect/consequence if one does not enroll in Part A because of having group health insurance?
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InsuranceGuy29
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First question depends on how many employees the company has. If there's 20 or more, the work group plan usually pays first. 20 or less and Medicare usually pays first.
If the person gets Part A for "free," meaning they already worked enough quarters and therefore paid enough money in the system to qualify for not having to pay for it when they turn 65, then there is no penalty for delaying.
If they have to pay for it when they're 65, the penalty is an extra 10% of their monthly premium. The penalty is charged for double the number of years they delayed enrollment. For example, if they delay their enrollment by two years, they'll be charged the penalty for four years.
This penalty would also only come into play if the person doesn't qualify for monthly premium-free Part A and they don't have creditable work coverage when they turn 65, and fail to secure Part A, going forward.
Ultimately, as long as the person qualifies for monthly "premium-free" Part A, I would advise they take it even if they have work group insurance, in 99% of scenarios. It's only a benefit to them with no drawbacks.
If the person gets Part A for "free," meaning they already worked enough quarters and therefore paid enough money in the system to qualify for not having to pay for it when they turn 65, then there is no penalty for delaying.
If they have to pay for it when they're 65, the penalty is an extra 10% of their monthly premium. The penalty is charged for double the number of years they delayed enrollment. For example, if they delay their enrollment by two years, they'll be charged the penalty for four years.
This penalty would also only come into play if the person doesn't qualify for monthly premium-free Part A and they don't have creditable work coverage when they turn 65, and fail to secure Part A, going forward.
Ultimately, as long as the person qualifies for monthly "premium-free" Part A, I would advise they take it even if they have work group insurance, in 99% of scenarios. It's only a benefit to them with no drawbacks.
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I have noticed if a person already has Part A before they enroll in Part B it makes enrolling in Part B faster.
Truce
Expert
- 97
NO HSA = Apply for Part A
"Just get the Medicare number established. People over age 65 often have to leave a job for urgent reasons. Not everyone gets to give two months notice when they get sick or just can't stand their new manager. If I have your ID number I can apply for your drug plan with no gap so you don't have to use cobra for medications, and I can submit an application for your supplement plan with your part B pending. The supplement insurer will give you a couple weeks to get the retro dated Part B, and worst case scenario is they start your supplement a month later."
No ID number? Much more awkward. Not much I can do. Tell them the over 65 cobra medical rules too if they need more motivation.
"Just get the Medicare number established. People over age 65 often have to leave a job for urgent reasons. Not everyone gets to give two months notice when they get sick or just can't stand their new manager. If I have your ID number I can apply for your drug plan with no gap so you don't have to use cobra for medications, and I can submit an application for your supplement plan with your part B pending. The supplement insurer will give you a couple weeks to get the retro dated Part B, and worst case scenario is they start your supplement a month later."
No ID number? Much more awkward. Not much I can do. Tell them the over 65 cobra medical rules too if they need more motivation.
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Having read Enrolling in Medicare Part A disqualifies you from contributing to an HSA. This is an important consideration if you are currently contributing to one. Is this a negative effect on enrolling in Medicaid Part A if one has employer's group (more than 20 people) of health insurance plan?
I just lost a prospect, he was 67 and did not have part A, when he went to sign up for Medicare I struggled to find out what to do
I ended up telling him he needed to sign up for Part A only first and then part B under the part B link due to the fact he would need to fill out the Employer info
He ended up having some issue and calling SS and they told him that I messed him up and he would need to come in and fill out extra forms to correct my mistakes
That he should have never signed up online in this situation and I could have caused major issues
I ended up telling him he needed to sign up for Part A only first and then part B under the part B link due to the fact he would need to fill out the Employer info
He ended up having some issue and calling SS and they told him that I messed him up and he would need to come in and fill out extra forms to correct my mistakes
That he should have never signed up online in this situation and I could have caused major issues
@vic120 Enrolling in Part A past age 65 . . .
You can sign up for Medicare Part A by:
Enrolling in Part B past age 65 is different if you want to avoid the LEP
www.ssa.gov
You can sign up for Medicare Part A by:
- Visiting ssa.gov
- Calling 1-800-772-1213 (TTY users 1-800-325-0778)
- Visiting your local Social Security office
Enrolling in Part B past age 65 is different if you want to avoid the LEP
Sign up for Part B only
Part B helps pay for your basic healthcare services. If you already have Part A, you can add Part B during specific enrollment periods.
@vic120 Enrolling in Part A past age 65 . . .
You can sign up for Medicare Part A by:
Keep in mind your effective date will be backdated by 6 months or your birth month, whichever comes first
- Visiting ssa.gov
- Calling 1-800-772-1213 (TTY users 1-800-325-0778)
- Visiting your local Social Security office
Enrolling in Part B past age 65 is different if you want to avoid the LEP
Sign up for Part B only
Part B helps pay for your basic healthcare services. If you already have Part A, you can add Part B during specific enrollment periods.
Yea I sent him to SSA.gov they told him if getting Part A after 65 never sign up online it will mess everything up and its a lto of work to undo
and never sign up for A first and then the B
but rather go into the office and sign up for both together and that is the only way to do it without problems
and that because he signed up for part A first online
he would now have to fill out extra forms to fix that before siging up for part b
"Extra forms" for Part B late enrollment are required regardless of when/if you signed up for Part A doesn't affect the Part B forms. You still need them completed if you had EGH since T65 and you want to avoid the penalty.
I have a number of folks who enroll in B past 65. They can sign up online, or in person. The link provided gives you a "how to" step by step.
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