Questions about Medicare and HSAs

[MedicareWAA]

Denying the the ability to contribute to an HSA, requiring payment of Part B premiums, and starting the clock running on the no underwriting enrollment period for a Medigap plan which is not going to pay anything in the presence of an employee plan and Part B.

A situation which totally sucks, and based on the little information OP provided, does not seem right to me.

You forgot to tell us that you're not an agent.

 

[LostDollar]

CAVEAT, NOT AN AGENT

The time to solve the concern is before any claims are filed by finding out WHY the carrier and the company require a T65 employee of a large company to file for Medicare Part A and B, denying their ability to contribute to an HSA.

I will let you help OP and client when OP posts back in a year or two about how to deal with an insurance carrier who will not process claims according to CMS COB guidelines.

Denying the the ability to contribute to an HSA, requiring payment of Part B premiums, and starting the clock running on the no underwriting enrollment period for a Medigap plan which is not going to pay anything in the presence of an employee plan and Part B.

A situation which totally sucks, and based on the little information OP provided, does not seem right to me.

You forgot to tell us that you're not an agent.

CAVEAT, NOT AN AGENT

That was an expansion of a statement in a post which was to be immediately above it, but another post crossed and got in the middle.

It might be one should note the employer is not an agent and will not be the one paying the lifetime price for the active employee (or dependent) acting on incorrect or incomplete information.

The employer also will likely not be the one arguing with the insurance carrier if a carrier providing health coverage for a large group employer chooses to process Medicare age employees' claims as though the employer was a small group employer. That is an experience which life is too short to have.

CAVEAT, NOT AN AGENT