Using Medicare "Part A" while still working with health insurance?
- Thread starter Vaildave
- Start date
And just to add, if the employer is less than 20 employees, the OP better get enrolled in Part B ASAP.
- Thread starter
- #4
MichFlor
Expert
- 89
Just be sure that neither you nor your employer is contributing to an HSA.
A does not cover OP care, only inpatient. Don't enroll in B unless you have to. Otherwise, you are wasting $$$
My wife had A + EGH which was primary. Spent 4 days in the hospital. Part A paid $2500 or so. Best free insurance she ever had.
Last edited:
- 7,328
Caveat, not an agent.
When the time comes, you may want to evaluate government health coverage against Medicare coverage.
LostDollar It's not that simple. Some of them dovetail with each other and in some cases you have to have A and B and then the government acts like D and a supp and generally picks up copays, etc. There are some differences depending on which government plan you have or if you are military - it's not just one, everyone is the same, plan/situation.
This website has a good summary about non-military government insurance and medicare. It also tells about Medicare and Tricare (vets).
How Medicare Works with Federal Employee Health Insurance
If you're a federal employee and/or retiree, you have special considerations regarding Medicare and how it coordinates with federal employee and military or veterans health insurance. Learn more about how it works.
www.ncoa.org
Here is some (not detailed enough) info about TriCare and being retired
More information about TriCare and Medicare that talks about different plans/situations
As you can see it's more complex that a simple comparison. It depends on what specifically a person has which dictates the choices and how the Federal Government non military or TriCare plans work with medicare (or don't).
- 7,328
Caveat, not an agent.LostDollar It's not that simple. Some of them dovetail with each other and in some cases you have to have A and B and then the government acts like D and a supp and generally picks up copays, etc. There are some differences depending on which government plan you have or if you are military - it's not just one, everyone is the same, plan/situation.
This website has a good summary about non-military government insurance and medicare. It also tells about Medicare and Tricare (vets).
How Medicare Works with Federal Employee Health Insurance
If you're a federal employee and/or retiree, you have special considerations regarding Medicare and how it coordinates with federal employee and military or veterans health insurance. Learn more about how it works.
Here is some (not detailed enough) info about TriCare and being retired
More information about TriCare and Medicare that talks about different plans/situations
As you can see it's more complex that a simple comparison. It depends on what specifically a person has which dictates the choices and how the Federal Government non military or TriCare plans work with medicare (or don't).
I said "evaluate".
OP's post say he has government insurance. OP's posts suggest he is automatically planning on going to Medicare at his retirement time.
I don't know the nuances of all the different kinds of government health insurance and it is not my job or interest to find out.
However, I regularly see agents posting to other agents to not mess with a prospect's government insurance. Whether or not OP has something that is better than Medicare, or requires Medicare to work with it, or whatever ....
I don't care what OP does, it is not my life and not my dollars. I am just suggesting that OP find some things out before they retire, go on autopilot and drop their current coverage, in order to prevent themselves from loosing coverage they can't return to which might be more beneficial to their retirement health insurance situation than Medicare alone.
They may already have done that. If they haven't, in my non-agent opinion there is a wiser before retirement course of action.
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- #10
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