Frequently Asked Questions #1

We began in the Medicare business in 2009. Since that time, we have been asked some interesting and unique questions about Medicare. However, the majority of the questions we are asked we get on a regular basis. Over the next few weeks we are going to discuss some of our most frequently asked questions.

Do I have to sign up for Medicare Part B when I turn 65 if I’m still employed? This is one of the questions we get asked the most. In most cases the answer to this is “no.” When you turn 65, if you are still working and on your employer’s health insurance plan, you probably will not need Medicare Part B. I say “probably” because most employer plans do not file on Medicare if you have a claim. Because you have to pay a premium for Part B, Medicare does not require a person to sign up for Part B as long as you are on your employer’s plan. Once you retire the rules may change. The safest thing to do is check with the benefits coordinator at your place of employment for guidance, or give us a call at our office.

I am on Medicare and Social Security Disability. I’m turning 65 soon. What are my options? Once you reach the age of 65 you have many more options than before. As you know, if you go on Medicare and you are under the age of 65 your options for health plans are limited. When you turn 65 you will have another open enrollment period to sign up for any plan you wish to get. In other words, just because you are already on Medicare does not prohibit you from having all the options a person not on Medicare and turning 65 would have.

If you have questions regarding any aspect of Medicare or Medicare health plans, contact us. Feel free to call us at Alabama Health Guidance (256-284-7249), stop by our office at 885 Florence Blvd. (Four Lane Shopping Center), or email me at Alabama Health Guidance is an independent insurance agency and is not affiliated with Medicare or any other government agency.

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