What if I am working past age 65 or I am covered under a spouses employer sponsored group plan? Do I need to enroll in PERS when I become eligible for Medicare?
You and/or your spouse can enroll at anytime, even after age 65, as long as the prior coverage was employer sponsored and were covered at least 24 consecutive months just prior to enrolling in a PERS sponsored plan. If covered under Active employer sponsored group coverage, as an actively working employee, enrollment in Medicare Part B can be delayed because, most often, the employer coverage is primary over Medicare. There would be no need to pay the Part B premiums during this time. However, once the active group coverage ceases you and/or your spouse, if Medicare eligible, will need to contact the Social Security Administration approximately three months prior to when the active group coverage ends to ensure proper enrollment in Part B. All Medicare eligible members and dependents are required to have both Medicare Part A and Part B to be eligible for a PERS sponsored health plan.
Related Questions
- May an employer choose not to offer continuation coverage to an employee who is already covered under another plan, such as one sponsored by their spouses employer?
- What if I am working past age 65 or I am covered under a spouses employer sponsored group plan? Do I need to enroll in PERS when I become eligible for Medicare?
- My spouse has health benefit coverage under her employer. Can I deduct the eligible expenses that are not covered by her plan under my PHSP?
