I have BlueShield Medical insurance. My copay is $15. My company takes care of it. I also have hospitalization for me and my spouse..
Total Comments: 95
Posted: Sat Apr 23, 2011 04:38 am Post Subject: company health insurance
i am 65 , employed and collecting s.s benefits. i get medicare part a and b . my wife will turn 65 in july of this year. is it possible to purchase health insurance just for her from my employer? what i would like to do is purchase an hmo supplemental plan and just ppay for her at work. and when she turn 65 she can drop my employers health plan and also get a supplemental insurance. we live in california. she also collects s.s. and just recieved her part a and b?
Posted: Sat Apr 23, 2011 02:05 pm Post Subject:
It is probably NOT possible to obtain health insurance for your wife as a dependent. If she was covered by the plan before you became eligible for Medicare, then she would have been eligible to continue that coverage under COBRA for up to 36 months.
But . . . here we are about to enter May. Your wife turns 65 in July. Even if her birthday is July 31, her Medicare coverage begins on July 1. You stated she already received the enrollment package from Social Security.
So I really don't see the benefit to your wife. Even if she could enroll in your employer's plan, her coverage might not even start before her Medicare coverage begins. An utter waste of time, money, and administrative expense on the part of your employer and its insurance company.
And before you or your wife consider a Medicare Supplement insurance plan, take a much closer look at Medicare Advantage plans where you live. Those will probably be FAR LESS EXPENSIVE and provide even greater benefits than Medicare combined with a Medicare Supplement.
Posted: Thu Feb 16, 2012 12:13 am Post Subject: medicare disability
I am 60 and live in NY State. Have been on disability since age 55, so I get SSDI and Medicare A & B. Other 20% covered by spouse's employer. A) will I have to get supplemental at age 65 even if spouse still working? (if he dies, I know that i will.B) Why do so many doctors and surgeons refuse to accept these medigag plans?
Posted: Thu Feb 16, 2012 12:13 am Post Subject: medicare disability
I am 60 and live in NY State. Have been on disability since age 55, so I get SSDI and Medicare A & B. Other 20% covered by spouse's employer. A) will I have to get supplemental at age 65 even if spouse still working? (if he dies, I know that i will.B) Why do so many doctors and surgeons refuse to accept these medigag plans?
Posted: Thu Feb 16, 2012 12:13 am Post Subject: medicare disability
I am 60 and live in NY State. Have been on disability since age 55, so I get SSDI and Medicare A & B. Other 20% covered by spouse's employer. A) will I have to get supplemental at age 65 even if spouse still working? (if he dies, I know that i will.B) Why do so many doctors and surgeons refuse to accept these medigag plans?
Posted: Thu Feb 16, 2012 01:04 am Post Subject:
As long as you are covered as a dependent under a spouse's group health insurance, you should not need a Medicare Supplement insurance policy. And in the event you are no longer covered by your spouse's group insurance plan, I would recommend looking at Medicare Advantage plans (HMO/PPO substitutes for Parts A & B [you still have to pay the Part B premium]) instead of Medicare Supplements.
In many areas of the US, Medicare Advantage plans have no additional premiums, offer more substantial benefits than Original Medicare, and generally reduce out of pocket expenses, even if a monthly premium is paid to the MA plan.
Posted: Fri Apr 13, 2012 02:34 pm Post Subject: medical card
Can you get a medical card when your spouse carries insurance through their employer
Posted: Fri Apr 13, 2012 02:34 pm Post Subject: medical card
Can you get a medical card when your spouse carries insurance through their employer
Posted: Fri Apr 13, 2012 03:54 pm Post Subject:
you can f you are listed as a dependent.
Posted: Sat Jun 30, 2012 08:44 pm Post Subject: Medicare and working
Medicate starts Aug. 1, 2012 have plan A&B. Still working and have group health plan through employer with Kaiser in CA. Need to know if I should cancel group plan with employer which coverage is not so great with a 2600 deductable so out of pocket exspenses can be pretty high. I would then replace the coverage with Kaiser Senior Advantage Plan. Any help would be appreciated.
Posted: Sat Apr 23, 2011 04:38 am Post Subject: company health insurance
i am 65 , employed and collecting s.s benefits. i get medicare part a and b . my wife will turn 65 in july of this year. is it possible to purchase health insurance just for her from my employer? what i would like to do is purchase an hmo supplemental plan and just ppay for her at work. and when she turn 65 she can drop my employers health plan and also get a supplemental insurance. we live in california. she also collects s.s. and just recieved her part a and b?
Posted: Sat Apr 23, 2011 02:05 pm Post Subject:
It is probably NOT possible to obtain health insurance for your wife as a dependent. If she was covered by the plan before you became eligible for Medicare, then she would have been eligible to continue that coverage under COBRA for up to 36 months.
But . . . here we are about to enter May. Your wife turns 65 in July. Even if her birthday is July 31, her Medicare coverage begins on July 1. You stated she already received the enrollment package from Social Security.
So I really don't see the benefit to your wife. Even if she could enroll in your employer's plan, her coverage might not even start before her Medicare coverage begins. An utter waste of time, money, and administrative expense on the part of your employer and its insurance company.
And before you or your wife consider a Medicare Supplement insurance plan, take a much closer look at Medicare Advantage plans where you live. Those will probably be FAR LESS EXPENSIVE and provide even greater benefits than Medicare combined with a Medicare Supplement.
Posted: Thu Feb 16, 2012 12:13 am Post Subject: medicare disability
I am 60 and live in NY State. Have been on disability since age 55, so I get SSDI and Medicare A & B. Other 20% covered by spouse's employer. A) will I have to get supplemental at age 65 even if spouse still working? (if he dies, I know that i will.B) Why do so many doctors and surgeons refuse to accept these medigag plans?
Posted: Thu Feb 16, 2012 12:13 am Post Subject: medicare disability
I am 60 and live in NY State. Have been on disability since age 55, so I get SSDI and Medicare A & B. Other 20% covered by spouse's employer. A) will I have to get supplemental at age 65 even if spouse still working? (if he dies, I know that i will.B) Why do so many doctors and surgeons refuse to accept these medigag plans?
Posted: Thu Feb 16, 2012 12:13 am Post Subject: medicare disability
I am 60 and live in NY State. Have been on disability since age 55, so I get SSDI and Medicare A & B. Other 20% covered by spouse's employer. A) will I have to get supplemental at age 65 even if spouse still working? (if he dies, I know that i will.B) Why do so many doctors and surgeons refuse to accept these medigag plans?
Posted: Thu Feb 16, 2012 01:04 am Post Subject:
As long as you are covered as a dependent under a spouse's group health insurance, you should not need a Medicare Supplement insurance policy. And in the event you are no longer covered by your spouse's group insurance plan, I would recommend looking at Medicare Advantage plans (HMO/PPO substitutes for Parts A & B [you still have to pay the Part B premium]) instead of Medicare Supplements.
In many areas of the US, Medicare Advantage plans have no additional premiums, offer more substantial benefits than Original Medicare, and generally reduce out of pocket expenses, even if a monthly premium is paid to the MA plan.
Posted: Fri Apr 13, 2012 02:34 pm Post Subject: medical card
Can you get a medical card when your spouse carries insurance through their employer
Posted: Fri Apr 13, 2012 02:34 pm Post Subject: medical card
Can you get a medical card when your spouse carries insurance through their employer
Posted: Fri Apr 13, 2012 03:54 pm Post Subject:
you can f you are listed as a dependent.
Posted: Sat Jun 30, 2012 08:44 pm Post Subject: Medicare and working
Medicate starts Aug. 1, 2012 have plan A&B. Still working and have group health plan through employer with Kaiser in CA. Need to know if I should cancel group plan with employer which coverage is not so great with a 2600 deductable so out of pocket exspenses can be pretty high. I would then replace the coverage with Kaiser Senior Advantage Plan. Any help would be appreciated.
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