Page 10 - Dentons 2021 Benefits Guide Hawaii
P. 10
THINGS TO CONSIDER
CONCERNING MEDICARE AND THE
FIRM’S MEDICAL COVERAGE
For those who are eligible (or about to become eligible) for Medicare, here are some important
details to consider while making enrollment elections in the Firm plans for 2021. While your
best resource for information on the coordination of benefits between Medicare and any other
coverage option is the Centers for Medicare and Medicaid Services, these tips are intended to give
general guidance on issues you may want to explore in further detail.
Medicare has four parts
Part A–Hospital insurance
Part B–Medical insurance including physician visits
Part C–Medicare Advantage
Part D–Prescription Drug Plans
Medicare Part A is automatic for those who turn 65, or have been disabled for 25 months, if
you are already receiving Social Security benefits when you become eligible for Medicare
and have enough work quarters.
Medicare enrollment can be delayed if you are not yet collecting Social Security benefits when
you turn 65.
Medicare pays secondary to employer plans while you are actively working. Once you retire or
become eligible for COBRA coverage and are Medicare eligible, the Firm’s group medical plan
has secondary payer responsibility regardless of your actual Medicare enrollment status.
If coverage ends due to loss of eligibility, including retirement, you will have an eight month
special enrollment period to enroll in Part A, B and/or D.
If a spouse is Medicare eligible and covered by the Firm’s medical plan while you are actively
employed, the Firm’s medical plan pays primary. Once you retire or become COBRA eligible,
Medicare resumes primary payer responsibility for your spouse, regardless of actual Medicare
enrollment status.
All of the Firm’s group medical plans are creditable.
For more information, please call 855.798.2627 or go to www.medicare.gov.
10
CONCERNING MEDICARE AND THE
FIRM’S MEDICAL COVERAGE
For those who are eligible (or about to become eligible) for Medicare, here are some important
details to consider while making enrollment elections in the Firm plans for 2021. While your
best resource for information on the coordination of benefits between Medicare and any other
coverage option is the Centers for Medicare and Medicaid Services, these tips are intended to give
general guidance on issues you may want to explore in further detail.
Medicare has four parts
Part A–Hospital insurance
Part B–Medical insurance including physician visits
Part C–Medicare Advantage
Part D–Prescription Drug Plans
Medicare Part A is automatic for those who turn 65, or have been disabled for 25 months, if
you are already receiving Social Security benefits when you become eligible for Medicare
and have enough work quarters.
Medicare enrollment can be delayed if you are not yet collecting Social Security benefits when
you turn 65.
Medicare pays secondary to employer plans while you are actively working. Once you retire or
become eligible for COBRA coverage and are Medicare eligible, the Firm’s group medical plan
has secondary payer responsibility regardless of your actual Medicare enrollment status.
If coverage ends due to loss of eligibility, including retirement, you will have an eight month
special enrollment period to enroll in Part A, B and/or D.
If a spouse is Medicare eligible and covered by the Firm’s medical plan while you are actively
employed, the Firm’s medical plan pays primary. Once you retire or become COBRA eligible,
Medicare resumes primary payer responsibility for your spouse, regardless of actual Medicare
enrollment status.
All of the Firm’s group medical plans are creditable.
For more information, please call 855.798.2627 or go to www.medicare.gov.
10
