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If you are working and you turn 65 do you have to use medicare as aprimary insurance?

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2010-01-27 22:09:09
2010-01-27 22:09:09

Medicare does not require you to use it as your primary insurance; however, your private health insurance carrier probably will, especially if your employer is paying for your health insurance.

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Medicare does not require anyone to register at age 65 or any other time. However, your health insurance company might require you to register in order for Medicare to be your primary insurance.


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.


Because most of your medical care will be paid for by Medicare.


The law does not require enrollment in medicare. However, private insurance plans often contain a significant penalty for failing to do so.


The Medicare tax that is deducted from your paycheck pays for your Medicare Part A insurance, so that you'll be able to use it when you turn 65. Medicare Part A is the hospitaliztion portion of Medicare. Once you turn 65, you'll pay for Medicare Part B that will be automatically deducted from your Social Security check. For 2009, that amount is $96.40/month if you make less than $85000.00 per year. Medicare Part B is the medical/doctor's office portion of your Medicare.


Yes, you are eligible for Medicare when you turn 65. Take a look at this book to get a better understanding of your eligibility for Medicare: (See related link below for a pdf booklet.)


Medicare is a government program designed to help people over age 65 with medical, hospital and medication assistance. You can enroll in medicare three months before you turn 65. However, your medicare coverage will not be effective until the month you turn 65. If you are disabled, you may enroll in medicare before the age of 65. Medicare eligibility has many advantages. Health care costs rise higher every year. Medicare Part A is the insurance portion of your coverage that pays for hospital costs. Medicare Part B is a supplemental health care plan that pays a portion of your medical expenses. Medicare Part D is the prescription drug portion of your coverage. Medicare Part A does not cost anything, but Medicare Part B has monthly premiums that are determined by your work history and current financial situation. Medicare Part D is only offered through private companies during limited enrollment periods. There is a lot of detailed information about medicare on their government website. There are strict rules and regulations regarding what medicare pays for and what they will not cover. It is important to learn all about medicare before you turn 65 to make sure you receive your eligible benefits. Medicare programs can save you a lot of money on health care costs. If you have employer insurance, retiree insurance or VA health benefits, these programs can fill in the gaps between what medicare covers and the outstanding balance. These benefits pay secondary to medicare. You can also buy supplemental insurance from private insurance companies. Before you choose a supplemental insurance company, be sure you are dealing with a reputable company. If you are caring for a loved one who is covered by medicare, be sure you understand exactly how medicare works. You should also know their medical history, medications and where they keep important health care documents. Find out about possible assistance programs that can help your loved one. It is also important that you know their health care preferences. There is a wealth of information on medicare's website for members and caregivers. Make sure you understand the medicare process well enough to make the most of your loved one's health care.


If you are on Medicare due to disability or End Stage Renal Disease(is this the reason you have Medicare under age 65?), you will need to look into a Medicare Advantage Plan instead of a Medicare Supplement also called Medigap. This is what Medicare says: If you are a person with Medicare under age 65 and have a disability or ESRD, you might not be able to buy the Medigap (also called "Medicare Supplement Insurance") policy you want, or any Medigap policy, until you turn age 65. Federal law doesn't require insurance companies to sell Medigap policies to people under age 65. However, some states require Medigap insurance companies to sell you a Medigap policy, even if you are under age 65. For more info on Medicare Supplements: http://www.medicare.gov/Publications/Pubs/pdf/02110.pdf For more info on Medicare Advantage Plans: http://www.medicare.gov/Publications/Pubs/pdf/10050.pdf IMPORTANT NOTE: You must enroll in a Medicare Advantage Plan before December 31, 2008 or you will need to wait until November 15, 2009 to enroll.


if or went i turn 65 the money put in medicare setback not spended , do i get it back or does medicare keep it?


I had retired from my employer before 65. I continued the retirees' group health insurance. When I turned 65, my employer required me to take Medicare as my primary insurance. I could stay with the group, but it would "coordinate" benefits with Medicare. My experiences with my providers have changed. Before Medicare, my providers would bill my insurance and take their payment. I would pay the deductible and co-insurance. With Medicare, my providers will bill Medicare but not accept their payments. So, Medicare sends me these silly paper checks (they will not use electronic deposits). The provider can bill 115% of the Medicare approved amount. My group plan then pays based on the 115% amount (less any deductible and co-insurance). They also send to me their silly paper checks. (All that happened is that I turned 65 - now I get silly checks and a bookkeeping nightmare). I take the paper checks to the bank and then pay my providers electronically. One time I had services from a provider that participated with Medicare. Medicare paid (I got their paper MSN after about four months). My group plan paid. The provider asked me to pay the balance. Worked pretty smooth - except the provider charged me for items I did not receive. They said since Medicare paid them based on a "DRG" (a payment scheme based on the primary services delivered - without worrying about cost), they could not rebill and it would not make any difference if they could. Again, before I turned 65, it was easy to point out an error to my group insurance and it got fixed quickly. Medicare takes a long time to even understand the question. So, ask your employer or insurance company how they work with Medicare. Then, hope that you can keep them as the primary payer. Also, if you have to go with Medicare, let's hope that your providers accept Medicare.


You have to sign up for Part D--the drug/prescription portion. The other depends on whether your group insurance will cover you past medicare age. You will need to sign up about 3 months before you turn 65, so check out the social security administration website and talk to someone who can give you a good overview (not really an insurance salesman).


During your working life, you pay Medicare tax out of your paycheck. That tax pays for your Medicare Part A (hospitalization). When you turn 65 and enroll in Medicare, you can choose to enroll in Part B (medical/doctor's office). The premium for Part B for 2009 is $96.40 per month (if you make less than $85,000.00 per year) which is automatically deducted from your Social Security check.


During your working life, you pay Medicare tax out of your paycheck. That tax pays for your Medicare Part A (hospitalization). When you turn 65 and enroll in Medicare, you can choose to enroll in Part B (medical/doctor's office). The premium for Part B for 2009 is $96.40 per month (if you make less than $85,000.00 per year) which is automatically deducted from your Social Security check.


Where you covered under an Employer Group or Individual Plan? If Employer Group - they would be eligible for COBRA - If Individual - then just tell the Insurance Company to take you off.


Assuming that you have paid Medicare payroll taxes, then you are eligible to join Medicare when you turn 65. You can become covered by Medicare before age 65, if you are considered disabled by Social Security.


AnswerSounds like that would work to me. Medicare and Social Securities Site - where you can ask the question directly. http://www.medicare.gov/ContactUs.asp IMHO I would just turn in the claim and see what your spouses insurance does with the claim. Just be honest when filling out the forms.AnswerAbsolutely, this is called tertiary.


You don't need to do anything. Whenever you turn the age of 65, you will automatically be enrolled in Medicare. You should get a Medicare card approximately 3 months prior to your birthdate.


Mitt Romney's agenda is to destroy Social Security and Medicare as we know it. His plan is to privatize Social Scurity and turn Medicare into a voucher program, which will then be turned over to Wall street.


Generally, you are eligible for Medicare after you turn 65 years old. You may qualify for Medicare earlier if you have a serious medical condition and meet specific criteria related to income, employment and marriage-status. T


A car that has working headlights and turn signals, a working horn and brake lights, and enough room for the examiner in the passenger seat. It will also need current registration and insurance.


During your working life, you pay Medicare tax out of your paycheck that pays for your Part A, so when you turn 65 you're automatically enrolled in Part A. You're not required to enroll in Part B, but it's better if you do so when eligible to avoid penalties for late enrollement. Medicare Part B is taken out of your Social Security Check. See the link below for complete details on Medicare Parts A & B: http://www.medicare.gov/Publications/Pubs/pdf/10050.pdf


No. The reason why you have car insurance is to protect you from at fault accidents.


Sure will if you turn it into the insurance to be fixed.


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If turn signals are working could be a bad bulb If turn signals are not working--could be fuse flasher or problem in steering column



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