I am 65 and in Texas. I have enrolled in Medicare Part A, but Part B yet because I have my company’s health insurances. Part A is free. I was told by a Medicare professional that I will not be penalized if I am covered by a group medical insurance. In case I lost my company insurance, I can start Medicare Part B at that time. I would be fine if I can ensure no gap between them. But my company’s HR suggests me to start Part B now, and use Medicare A & B as the primary, and the company’s insurance as secondary. Medicare B is not free.
Why do I pay double coverage? Am I handling Medicare correctly?
I am 65 and in Texas. I have enrolled in Medicare Part A, but Part B yet because I have my company’s health insurances. Part A is free. I was told by a Medicare professional that I will not be penalized if I am covered by a group medical insurance. In case I lost my company insurance, I can start Medicare Part B at that time. I would be fine if I can ensure no gap between them. But my company’s HR suggests me to start Part B now, and use Medicare A & B as the primary, and the company’s insurance as secondary. Medicare B is not free.
Why do I pay double coverage? Am I handling Medicare correctly?
据我所知，很多人用medicare的同时都另外买了类似AARP的supplement保险来cover copay，你公司的HR跟你说的应该就是这个意思。
从公司的利益来讲，当然希望你买B来减轻公司的负担。有些公司甚至会强制65岁以上的购买Part B.
对于大多数人而言，如果仍然在工作，有公司的医疗保险，而且公司雇员人数超过20人，就完全没必要买Medicare Part B。我退休前就是这样。
when you turn 65.
The penalty would last for your entire retirement life.