How will Medicare and my employer’s health insurance work together?
Medicare and your employer’s health insurance will work together in the form of a payment order. Your insurance providers are referred to as “payers.” The first payer will be your primary source of coverage. Then the second payer will pay the rest as a secondary source. Typically, your employer’s health insurance will pay what it can first. What remains is paid for by Medicare.
Medicare may be the first to pay in cases such as:
- Working for a smaller company where there are 20 employees or fewer
- Being retired, but still getting health insurance through your former employer
Will I still be able to get supplemental insurance?
Yes, you can enroll in a Medicare Supplement Plan (also known as Medigap) in addition to this. Medigap will be the one that pays last (if there are any out-of-pocket costs leftover).
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Are there any exceptions?
Yes. You can’t have Medicare Advantage, as it forbids you from getting other forms of insurance coverage. You may also want to contact your provider if you are considering enrolling in Medicare Part D. Enrolling in the prescription drug plan could potentially get you dropped from your employer’s health insurance plan.
If you have any questions about how your employer’s health insurance plan will work with Medicare, call us today.
