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Spring, Texas, 77388
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LEAVING GROUP HEALTH
If your employer offers group health insurance, you can either keep your current coverage or switch to a Medicare plan that better suits your needs. Alternatively, you can remain enrolled in both, providing more comprehensive healthcare coverage.
In some cases, employers continue offering health insurance after retirement, which is worth considering. However, we still recommend enrolling in Medicare as soon as you're eligible to ensure you're covered and can take full advantage of the program.
Why Choose Medicare?
Your group health plan may offer solid coverage, but it's important to also consider Medicare. The Initial Enrollment Period (IEP) lasts for seven months, beginning three months before your 65th birthday. During this time, you can choose Medicare Part A, B, C, or D.
It's critical to enroll in Medicare Parts A, B (Original Medicare), or D as soon as you're eligible. Delaying enrollment could result in permanently higher monthly premiums. Since most beneficiaries receive Part A with no premium, signing up for this coverage could be more advantageous than not enrolling in Medicare at all.
Additionally, keep in mind that you must first enroll in Original Medicare before you can sign up for other Medicare plans.
Combining Medicare with Employer Group Health Coverage
One way to get the best of both worlds is by combining your employee health insurance with a Medicare plan. In this case, you'll need to determine which will serve as your primary insurance and which will be secondary.
The primary insurance pays your medical expenses first, with the secondary plan covering the remaining costs. If your employer’s health plan covers 20 or fewer people, Medicare will be the primary payer. For groups with more than 20 members, Medicare becomes the secondary payer.
Find The Right Strategy For Your Health
If you need help deciding which healthcare strategy is best for you, we’re here to assist.
At Topflight Insurance Solutions, we work to ensure you have the healthcare plan that suits your individual needs. Whether it’s Medicare or marketplace coverage, our team will guide you every step of the way.
Contact us today at (470) 610-5710 to get started on finding the right plan for you.
To learn more, contact us today by giving us a call at (470) 610-5710
Frequently Asked Questions
New to Medicare?
What is Medicare and How Do I Qualify?
Medicare Advantage plans are offered by private insurance companies contracted through Medicare as an alternative to Original Medicare. These plans combine all of the benefits of Medicare Part A (hospital) and Part B (medical), and may also include prescription drug coverage, if they are Medicare Advantage Prescription Drug Plans.These plans combine all of the benefits of Medicare Part A (hospital) and Part B (medical), and may also include prescription drug coverage, dental or vision coverage all for an affordable and sometimes $0 monthly plan premium.
What is Medicare Advantage (Part C)?
Medicare Advantage plans are offered by private insurance companies contracted through Medicare as an alternative to Original Medicare. These plans combine all of the benefits of Medicare Part A (hospital) and Part B (medical), and may also include prescription drug coverage, if they are Medicare Advantage Prescription Drug Plans. These plans combine all of the benefits of Medicare Part A (hospital) and Part B (medical), and may also include prescription drug coverage, dental or vision coverage all for an affordable and sometimes $0 monthly plan premium.
What are Medicare Prescription Drug Plans (Part D)?
Medicare Part D plans add prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans. A prescription drug plan may help you save money on existing prescriptions or on medication needs in the future.
Not affiliated with the United States government or federal Medicare program. 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 of your options.
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