I am 65, still working, and thinking about enrolling in the PPO plan. How does Medicare coordinate with the PPO plans?
While you are actively employed and eligible for Medicare, the PPO plan is treated as primary coverage. Because there is no cost, you should still enroll in Part A of Medicare. When you retire, it is recommended that you enroll in Medicare Part B. At the point of retirement, Medicare will become primary coverage and the PPO plan will be the secondary payer. If you choose not to enroll in Medicare, the PPO plan will treat claims as if you are covered by Medicare, possibly reducing coverage.
