Is Medicare Part B Insurance Required If You Are Working And Have Group Health Insurance?
Dec 05, 2007 by lmpod | Posted in Insurance
aggregation health insurance? I was told Medicare is primary other group insurance is secondary. please give information I can understand and antiquated on to those 65 and older and the insurance representative. Thank you in advance.
lpod
The solution is no, but you should sign up for Part A.
doc | Dec 05, 2007
No. As lengthy as you have qualified group health coverage, you are fine to defer part B. Just be precise, once you don't have the group coverage, you only have 6 months to pick up B and if you don't you are penalized 10% for every 12 months you don't have it for the snooze of your life. So, in theory let's say you thought you didn't need it when you leave your pile coverage, then in 10 years you get very ill and decide to pick it up next enrollment every now. Well 10% times 10 years equals 100% sense you will be paying twice the amount required of those without a penalty.
As far as who is primary, if they are active wage-earner benefits, the employer benefits are primary. If they are retiree benefits, then Medicare is elementary.
But the short answer is, as long as it's qualified, no you don't.
desnlori | Dec 05, 2007
No. But Part A is unfasten. If you do get both plans, make sure you call medicare and your commercial carrier to detrmine who is the rudimentary payer on claims. Even if you only elected the Part A aka Hosptailization coverage. Medicare is not always primary. It can differ based on if your commercial carriers is a retiree group or an actives company. It can also very according to your Medicare entitlment reason, and the number of members in the group medical system. Call your commercial carrier and they can probably give you a better idea of who would be primary.
Darwin | Dec 05, 2007
most of the preceding info is accurate. Medicare Part A is not free though. to receive it w/out paying additional perquisite you or your spouse must have worked at least 40 quarters in your/their lifetime and had Medicare deducted or payed during those quarters. if someone has paid in less than the required 40 quarters then there is indeed a steep for Part A.
if you are still working beyond your Medicare eligibility date(for most people that is the month of their 65th birthdate) and your manager provides health insurance then you don't need to accept Part B when it is first offered to you. Since Part B has a premium (currently $93.50/month) most people contemplate on the coverage to be redundent and not necessary when they have group coverage through employment. to start your Part B at a later swain you will be required to provide a Letter of Credible Coverage to prove that you had other insurance during this epoch. otherwise you will be penalized for getting your Part B late.
since 2006, Part D of Medicare (prescription drug coverage)is also offered as an recourse under Medicare. it is designed, partially funded and administered by Medicare but purchased as a drug postal card from insurance companies. just like Part B, it doesn't have to be purchased if your group coverage has tranquillizer coverage that is at least as good as the Medicare miniumum requirements. the group health insurance company will haul someone over the coals you this when you near you Medicare eligibilty date. when you are no longer covered for prescription medications under your owner's plan they should also include that information in the previously mentioned Letter of Credible Coverage.
STEVEO | Dec 05, 2007
Medicare Part B & Private Health Insurance?
May 16, 2008 by deanne72mail | Posted in Insurance
My mom is 67 and still works. She has a grouping health policy through her job. She declined Part B since she is an active employee with group coverage. She works for a chagrined employer, with under 20 employees, so Medicare is primary. The problem is that her group health plot is denying ALL of her claims incurred outside of the hospital, including doctor's visits, powerful her that she should have enrolled for Part B.
She was advised by SSA to not take Part B since she was still working and has major medical insurance for charges case of the hospital. But, now, her private insurance is not covering her claims. She feels deceived by her insurance associates.
I have always heard that it was best to decline Part B when you are actively working and have group health insurance. Can someone facilitate?
If the assemble policy is under 20 employees that does not allow you to postpone Part B because Medicare will be extraordinary and if Medicare doesn't pay, neither will the group. This is a federal Medicare guideline and SSA should have known. Proving that the administration employee at SSA told her that she didn't need it will be difficult if not impossible. (does anyone here see a riddle that will plague univeral healthcare?)
The bad news: since she has declined Part B there are time restrictions and penalties for when she does get on the lay out. She will have to apply between Jan 1 and March 31 of next year and Part B will become effective July 1. She will have a 10% amercement for each 12 month period she was without Part B and she will have to pay that penalty for as long as she is on Medicare.
The owners of our following stayed on our policy here as well, but both of them took Medicare as well. Because they were still working, the insurance was primary and their claims were not denied. It sounds like this is exactly the opposite of what is happening with your mother.
Both of my parents are on Medicare and have a supplemental BCBS foresee 65, so they pay nothing at all (for the most part) other than their premiums.
If I were you, I would read through your mother's plan booklet and see if there is a staples stating that they won't cover claims if you are 65. It seems to me they should decline coverage before doing that. If they are enchanting premium payments and not paying claims, they need to be reported to your body politic's insurance commissioner.
Good Luck!
bampoo | May 16, 2008
If the gathering policy is under 20 employees that does not allow you to postpone Part B because Medicare will be admirable and if Medicare doesn't pay, neither will the group. This is a federal Medicare guideline and SSA should have known. Proving that the ministry employee at SSA told her that she didn't need it will be difficult if not impossible. (does anyone here see a mind-boggler that will plague univeral healthcare?)
The bad news: since she has declined Part B there are time restrictions and penalties for when she does get on the plot. She will have to apply between Jan 1 and March 31 of next year and Part B will become effective July 1. She will have a 10% punishment for each 12 month period she was without Part B and she will have to pay that penalty for as long as she is on Medicare.
Wish I had superior news for you.
Zarnev | May 16, 2008
My Granny Has Good Health Insurance Through Chrysler, And Medicare Part A, Which Is Hospitalization.?
Apr 11, 2007 by doug g | Posted in Cancer
her insurance partnership is not covering her dr visits, radiation, etc. all the bills have mounted up and on her credit write-up, and we cannot get a good rate on refinancing because of all the bills on her credit report, that starkly should have been paid by insurance. we have contacted them several times, and they keep giving us the run around, I m at a loss as to what to do about it, my granny is terminally insane and doesnt have the strenght to deal with the constant arguing, they are not paying ANYTHING, It is all rejected. I dont conscious where to file a complaint. I need help, She has lung cancer and my grandpa has worked at the actors for 30 yrs, they have made several trips up there to straighten things out all to find out they start rejecting them again after one or two. please aid
medicare only covers hospitalization, and the insurance company wants medicare to cover it, medicare does not stretch over the small stuff but her insurance should, her preimiums are all paid up, other than these hospital bills gone uncovered her confidence in would be almost perfect.
If your Grandma is days 65 years old then Medicare is her primary insurance and the "good health insurance" is her Medigap insurance which should be picking up the offset between what Medicare pays (about 60% of the actual bill) and her total balance.
Her Dr's insurance billing thing should be taking care of all this for her since they would not have let her continue treatments without talking to her first to make unshakeable she had valid insurance that would pay the Dr. You can not see a Dr unless you regularly provide proof of current medical insurance and this info would have been checked and verified every six months.
You do not say why all the bills are being rejected. Even if they have not paid the Chyrsler insurance monthly premiums then Medicare should have been paying affinity to payments. Something doesn't add up. Not getting medical bills paid in fact should be the problem of the Dr's office. I'd suggest you try to straighten things out for your gandparent's since quite both grandparents are too ill and too old to deal with the intricacies of dealing with the current US insurance billing system (which is a pandemic mess and tends to rob people unable to decipher all the double talk).
I prate through this insurance crap regularly for an elderly relative of mine. Chrysler's insurance does not have to pay (and won't) until Medicare has already paid. You constraint to contact the Billing person in the various Dr's offices and ask them to explain positively why Medicare has not paid, whether a bill needs to be rebilled to Medicare and what can be done to expedite this process. Medicare is a slow payer but Drs can not ask for the log a few zees Z's of payment until Medicare pays since they will be unable to know in advance what the remaining equal will be.
I don't have any idea why her credit report would be affected unless she is failing to pay other bills besides Dr bills since a Dr will not fend off in someone with health insurance (especially if they are dying) in for non-payment. There has to be more to this story than this.
Yes there is a long series of hoops to gain through to correctly work through the medical insurance billing system but it looks like she has insurance but for whatever figure out the bills are not getting paid. Maybe you need to step in and with your granny's approbation help her through this difficulty. When talking on the phone you may need to let the billing people clench with your granny that you are her agent and working in her behalf but that takes 5 seconds. There is uncommonly no need I can see for her, your granddad or yourself to travel anywhere to solve all this since this can all be done on the phone although it might be a slow and very frustrating get ready. Take good notes about who you talk to and try to talk to the same person each time. These billing people will often be of superb help (if you don't yell at them) in working through your grandparent's billing problems. These department insurance billing people work all day solving various insurance payment problems so here is where you require to start to solve your grandparent's mess.
After you have talked with the billing departments and gotten answers for all the questions above, if you have additional questions, repost them here. proficient luck
Honey, I am sorry about your Granny. At this guts you need to find out who is your Congressperson and contact them. Senators and Congress people are there to call the public. I had one that saved my life some years back, so don't think they will not help because they can supporter you.
Also, whatever State you are in has a Legal Aid Society you need to call them and get a lawyer.
Has your Granny got a community worker through the hospital she goes to?
Call some news people and tell them your facer. News people jump all over this sort of thing and the insurance company will have a singular story when they start getting bad press.
You can also write to various Expos people on the CNN web sitr, Fox News and MSNBC.
Do you have someone at your Grandpa's company that you or he can on a talk more loudly to?
How old is Granny? Contact the county social services, medicare and medicaid. They will aid you.
REnate | Apr 11, 2007
If your Grandma is since 65 years old then Medicare is her primary insurance and the "good health insurance" is her Medigap insurance which should be picking up the match between what Medicare pays (about 60% of the actual bill) and her total balance.
Her Dr's insurance billing backing should be taking care of all this for her since they would not have let her continue treatments without talking to her first to make unshakable she had valid insurance that would pay the Dr. You can not see a Dr unless you regularly provide proof of current medical insurance and this info would have been checked and verified every six months.
You do not say why all the bills are being rejected. Even if they have not paid the Chyrsler insurance monthly premiums then Medicare should have been paying predisposed to payments. Something doesn't add up. Not getting medical bills paid Non-Standard real should be the problem of the Dr's office. I'd suggest you try to straighten things out for your gandparent's since perhaps both grandparents are too ill and too old to deal with the intricacies of dealing with the current US insurance billing system (which is a comprehensive mess and tends to rob people unable to decipher all the double talk).
I tergiversate through this insurance crap regularly for an elderly relative of mine. Chrysler's insurance does not have to pay (and won't) until Medicare has already paid. You requirement to contact the Billing person in the various Dr's offices and ask them to explain definitely why Medicare has not paid, whether a bill needs to be rebilled to Medicare and what can be done to expedite this process. Medicare is a slow payer but Drs can not ask for the end up of payment until Medicare pays since they will be unable to know in advance what the remaining weight will be.
I don't have any idea why her credit report would be affected unless she is failing to pay other bills besides Dr bills since a Dr will not rig out in someone with health insurance (especially if they are dying) in for non-payment. There has to be more to this story than this.
Yes there is a long series of hoops to pass over through to correctly work through the medical insurance billing system but it looks like she has insurance but for whatever why and wherefore the bills are not getting paid. Maybe you need to step in and with your granny's acquiescence help her through this difficulty. When talking on the phone you may need to let the billing people certify with your granny that you are her agent and working in her behalf but that takes 5 seconds. There is definitely no need I can see for her, your granddad or yourself to travel anywhere to solve all this since this can all be done on the phone although it might be a slow and very frustrating answer. Take good notes about who you talk to and try to talk to the same person each time. These billing people will often be of influential help (if you don't yell at them) in working through your grandparent's billing problems. These offices insurance billing people work all day solving various insurance payment problems so here is where you necessary to start to solve your grandparent's mess.
After you have talked with the billing departments and gotten answers for all the questions above, if you have additional questions, repost them here. well-founded luck
quijibored | Apr 11, 2007
ALLIANCE FOR RETIRED AMERICANS: Medicare & Health Insurance Reform - Fact & Fiction
Confederation FOR RETIRED AMERICANS: Medicare & Health Insurance Reform - Fact & Fiction
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Medicare
Licensed U.S. Government site for Medicare information.
Medicare (United States) - Wikipedia, the free encyclopedia
Medicare has four parts: Part A is Infirmary Insurance. Part B is Medical Insurance. ... health insurance plans, instead of through the original Medicare plan (Parts A and B) ...
No. Medicare part B is NEVER required.