Medicare's Employer Coverage
NavSav is Your Resource for Understanding
For those who are already employed by a company offering group coverage and are either 65 or approaching that age, both Medicare and Employer Coverage are accessible options. In this scenario, it’s prudent to evaluate the expenses of:
- Coordinating Medicare with Employer coverage.
- Utilizing Medicare as your primary insurance.
Your best choice will depend on your unique circumstances. Acting promptly is key, as it can help you avoid Medicare late enrollment penalties.The rules differ based upon the size of the company you work for.
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Medicare Primary or Secondary?
What's the difference?
Primary Coverage
Medicare is a primary payer, in case you work for a company with less than 20 employees. Therefore, you will need to be enrolled in both Parts A & B. Never take a chance on Medicare Part B even if your insurance carrier claims they will cover it.
Secondary Coverage
You would have Medicare as a Secondary Payer if you work for a company with more than 20 employees. That’s because your employer insurance will be the primary payer. Since Medicare Part A usually costs nothing, it makes sense to have this extra protection as it may limit your exposure on a hospital stay to an amount less than your deductible.
An insurance policy is often the only thing keeping you from financial ruin when the inevitable takes place. As such, your indemnity plan should be something that covers all of your assets. The agents at NavSav Insurance can help you find the insurance policies that fit your lifestyle. Our agents can help you find the best insurance plan to fit your needs. You may also consider bundling protections into one policy for even more convenience.
NavSav Health is a licensed health insurance agency certified to sell Medicare products. The information on this website is for informational purposes only and is not a substitute for professional medical advice, diagnosis, or treatment. The views,
recommendations, and information presented here are solely those of Navsav Health and have not been reviewed or endorsed by Medicare.
By using this website, you agree to this disclaimer. If you disagree, please refrain from using the site.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
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