check out our article here. Your spouse's private insurance coverage is creditable if they work for a company with at least 20 employees. When weighing your options, your first question should be the size of the company providing your insurance. If your spouse works somewhere with less than 20 employees, it’s important to ask their HR representative if the insurance is creditable. If you don’t have creditable coverage, you should apply for Medicare Part A and Part B. And if you decide at any point that private insurance is not a good fit for you anymore, you can always shop for Medicare once you're eligible.
Fair Square Medicareis the place to find your best plan. For now, all you need to know is if you have creditable coverage, stick with it.
Medicare, Medicare pays secondary and is supplementing your employer insurance. For whatever healthcare costs pop up, your insurance takes the first swing, and if anything is leftover, Medicare comes in to cover the rest. Remember that Medicare will only pay for things covered by Medicare.
Part A of Medicareeven if they have creditable coverage. That's because it's free (as long you or your spouse have paid 40 quarters' worth of social security taxes) to get more secondary coverage.
Part D. But as long as you have creditable coverage, you have a special enrollment period of 63 days after your coverage ends to enroll without penalty.
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Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2022 Help Button Inc
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.