Medicare

[want2Banony]

I am an adult with CF. I went on long term disability through my job, and also got SSDI. After 2 years I got medicare. I can keep my LTD until I am 65 which includes keeping my group health insurance. My medicare is primary and my group health is secondary. I am CERTAIN of this as I've had it this way for several years. I was told if the group health (private ins.) was through my spouse/spouse's job then it would be primary and medicare would be secondary. But since it is through ME and MY job, it is the other way---medicare primary. I even called and asked to be sure and both medicare and private told me this was correct. Perhaps it makes a difference what state you live in?

 

[want2Banony]

I am an adult with CF. I went on long term disability through my job, and also got SSDI. After 2 years I got medicare. I can keep my LTD until I am 65 which includes keeping my group health insurance. My medicare is primary and my group health is secondary. I am CERTAIN of this as I've had it this way for several years. I was told if the group health (private ins.) was through my spouse/spouse's job then it would be primary and medicare would be secondary. But since it is through ME and MY job, it is the other way---medicare primary. I even called and asked to be sure and both medicare and private told me this was correct. Perhaps it makes a difference what state you live in?

 

[JazzysMom]

<div class="FTQUOTE"><begin quote><i>Originally posted by: <b>want2Banony</b></i>

I am an adult with CF. I went on long term disability through my job, and also got SSDI. After 2 years I got medicare. I can keep my LTD until I am 65 which includes keeping my group health insurance. My medicare is primary and my group health is secondary. I am CERTAIN of this as I've had it this way for several years. I was told if the group health (private ins.) was through my spouse/spouse's job then it would be primary and medicare would be secondary. But since it is through ME and MY job, it is the other way---medicare primary. I even called and asked to be sure and both medicare and private told me this was correct. Perhaps it makes a difference what state you live in?</end quote></div>


No I understand what you are saying. Because you kept your group health while on LTD it would be secondary. Medicare is secondary when
actively working OR unless the group health has fewer then 20 people.

BTW Medicare guidelines are the same no matter what state since Medicare is a federal program. The link I put explains the ins/outs/ifs/ands/buts with Medicare and other insurance. There are exceptions.

 

[JazzysMom]

<div class="FTQUOTE"><begin quote><i>Originally posted by: <b>want2Banony</b></i>

I am an adult with CF. I went on long term disability through my job, and also got SSDI. After 2 years I got medicare. I can keep my LTD until I am 65 which includes keeping my group health insurance. My medicare is primary and my group health is secondary. I am CERTAIN of this as I've had it this way for several years. I was told if the group health (private ins.) was through my spouse/spouse's job then it would be primary and medicare would be secondary. But since it is through ME and MY job, it is the other way---medicare primary. I even called and asked to be sure and both medicare and private told me this was correct. Perhaps it makes a difference what state you live in?</end quote></div>


No I understand what you are saying. Because you kept your group health while on LTD it would be secondary. Medicare is secondary when
actively working OR unless the group health has fewer then 20 people.

BTW Medicare guidelines are the same no matter what state since Medicare is a federal program. The link I put explains the ins/outs/ifs/ands/buts with Medicare and other insurance. There are exceptions.

 

[JazzysMom]

<div class="FTQUOTE"><begin quote><i>Originally posted by: <b>want2Banony</b></i>

I am an adult with CF. I went on long term disability through my job, and also got SSDI. After 2 years I got medicare. I can keep my LTD until I am 65 which includes keeping my group health insurance. My medicare is primary and my group health is secondary. I am CERTAIN of this as I've had it this way for several years. I was told if the group health (private ins.) was through my spouse/spouse's job then it would be primary and medicare would be secondary. But since it is through ME and MY job, it is the other way---medicare primary. I even called and asked to be sure and both medicare and private told me this was correct. Perhaps it makes a difference what state you live in?</end quote></div>


No I understand what you are saying. Because you kept your group health while on LTD it would be secondary. Medicare is secondary when
actively working OR unless the group health has fewer then 20 people.

BTW Medicare guidelines are the same no matter what state since Medicare is a federal program. The link I put explains the ins/outs/ifs/ands/buts with Medicare and other insurance. There are exceptions.

 

[want2Banony]

There are usually exceptions to every rule. My case is a little different than some because I had a good LTD plan thru my job that many companies don't offer. It can also depend on how many employees a company has. The best thing to do is call Medicare and ask your questions that are specific to your case. It can be very confusing.

 

[want2Banony]

There are usually exceptions to every rule. My case is a little different than some because I had a good LTD plan thru my job that many companies don't offer. It can also depend on how many employees a company has. The best thing to do is call Medicare and ask your questions that are specific to your case. It can be very confusing.

 

[want2Banony]

There are usually exceptions to every rule. My case is a little different than some because I had a good LTD plan thru my job that many companies don't offer. It can also depend on how many employees a company has. The best thing to do is call Medicare and ask your questions that are specific to your case. It can be very confusing.