Medicare
Is it possible to have medicare shile working with regualr insurance?
My husband is of an age to retire, but doesn’t plan to do so in the next five or so years. We know that he should be eligible for medicare. Is it possible to have both medicare and his health insurance at work where the expense of his medical bills would be less or non existent?
My parents worked past regular retirement age. Medicare was the primary insurer and the employer based insurance paid the remainder.
It is good to have employer insurance as long as you can because it generally pays for more things than Medicare does. Dental and Vision benefits, for example are not included in Medicare.
The Medicare Part D drug Plan has a big donut hole where it doesn’t pay anything towards the cost of prescription drugs. Employer based plans may have a maximum, but they don’t stop covering your medications after only $2800 in drug costs. I have never seen a Part D Plan that was near as good as the employer based types. If I were you, I would not enroll in a Part D Plan unless the employer said they would not cover your drugs any more.
Keep all of the coverage you can unless you are in a low income bracket where Medicaid would help cover your costs on premiums and co-pays. Consider getting Medicare Supplemental insurance coverage to pay your deductibles and co-pays. These can really add up.
Your medical bills will stay pretty low if you can do some or all of these things.
Medicare
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