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What happens to your spouse medical ins when you move to medicare?
If/when your spouse is 65, s/he will probably qualify for Medicare as your spouse. At that time, her/his private insurance will probably insist that s/he apply for Medicare.
Is there a penalty for not taking medicare B if covered under wife's insurance and is primary?
No, you are not subject the the late enrollment penalty if you were covered by an insurance plan or your spouse's insurance plan at the time you were eligible. Make sure you receive a copy of your creditable coverage letter once you plan to enroll in Medicare Part B, so you can prove you were covered. For more information on the time frames for enrolling in Part B should you lose or drop coverage, see the link below on the Medicare website to the Medicare & You Handbook, page 21.
Why can't i stay on my employers health insurance when i turn 65?
It depends where you live. Some employers do not provide insurance. In some countries if you are working after you are 65 or your spouse is working, you will be entitled for health insurance from employer. You will be eligible for Medicare even if you continue to work after you turn 65. It is important that you decide whether or not to enroll for medicare. You may not need all of Medicare benefits if you are still covered under your employer's plan. You can delay certain parts of Medicare, and get them later on when you retire, or if you lose your employer's insurance. You should make these decisions at least 3 months before your 65th birthday.
Is it possible to add a pregnant spouse during the open enroll period for insurance and the pregnancy not be considered preexisting?
== == Probably.
Who pays first if you have medicare and are retired hourly from General Motors?
Chances are Medicare would pay first as long as you are no longer working, or if your spouse does not have you covered under insurance through their employer. If your spouse IS working and you do have coverage through them, the group insurance would be primary if their employer has more then 100 employees working for them. Otherwise, Medicare will be primary.
Does my Medicare cover your wife too?
Medicare doesn't cover spouses. Each person must have their own account and policy. This is an important consideration if the older partner decides to retire before the younger one reaches age 65. If the younger person relied on the older partner for health coverage through their employer, they'll be responsible for their own medical insurance until they also reach age 65.
Is Medicare primary when the spouse is still working or if the Medicare beneficiary works?
Medicare is primary if you work for a company with less than 20 employees. It would also depend on if the spouse is covered under the employer group health insurance. For more info. see www.SteveShorr.com/medicare.htm I recommend you visit www.cms.gov. to answer your question, If you are not 65+ years old, completely disabled, or both, and your spouse is employed by a company with 100+ employees, then your spouses insurance is primary. However, if you are disabled, 65+ yrs old, or the company your spouse works for has less than 100 employees, then your medicare would be primary.
Is 'significant other' the same as spouse for medicare purposes in California?
This depends on the state laws, and the insurance company. Contact either your states dept of insurance or the carrier you are insured with.
Can a younger spouse of a retired person get medicare or insurance coverage?
To find out if your eligible for Medicare, you can use the Medicare Eligibility Tool at the link below: http://www.medicare.gov/MedicareEligibility/home.asp?version=default&browser=IE%7C6%7CWinXP&language=English If you're not eligible for Medicare, you can check with the different insurance companies to find out about individual coverage.
If you have medicare and your spouse also has you as a dependent on their insurance which is primary and which is secondary?
Medicare is primary unless you are working and have coverage thru your employer. Coverage thru the spouse's employer would be secondary to your own Medicare coverage.NO. The answer posted above is incorrect! Medicare is Secondary.Medicare is secondary when :-The individual or his/her spouse is currently employed/working and covered under an employer group health plan as a result of current employmentsee this linkhttp://questions.cms.hhs.gov/cgi-bin/cmshhs.cfg/php/enduser/std_adp.php?p_faqid=871
If you and a spouse have different health insurance but have never designated one as primary or secondary could this cause problems when you do designate primary or secondary?
If you have insurance through your employer, and you are the policy holder,(the insurance is in your name) this insurance will be primary for you, and your spouses insurance policy will be secondary. The insurance policy thru your spouse's employer, (your spouse is the policy holder, or the insurance is in their name), this would be primary for your spouse, and your policy would be their secondary. Here's the phamplet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf
If you get pregnant and are covered by your spouse's work insurance would you be covered on the new employer's group insurance if he switched jobs?
Yes, you should be since you were already covered prior to this. Although each state varies with this type of coverage. Even if he has a waiting period before he can enroll, he should get a letter from his prior insurance company showing that he had creditable coverage.
