Ms. Thomas has worked for many years and is turning 68 in June. She is eligible for Medicare Part A and did not enroll for Part B when first eligible because she has insurance through her employer - Coffee Brew, Inc. She also did not enroll in Part D because she had creditable coverage. She would like to retire in June and enroll in a Medicare Advantage plan. She has been informed that her group coverage will end on her retirement effective date. How would you advise Ms. Thomas?

It is advisable for Ms. Thomas to continue COBRA coverage under her employer group plan, as it will provide coverage for at least 18 months, and after this, she should opt for the 6 months Medicare Plan.

What is a Medicare Plan?

A policy which has been introduced by the US government in essence of providing benefits and other healthcare services is known as a Medicare Plan.

There are different types of Medicare Plan that provide a number of benefits to the US citizens, and a citizen is eligible for opting multiple Medicare Plans until they retire from employment.

Hence, the significance of a Medicare Plan is aforementioned.

Learn more about a medicare plan here:

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22maloy 22maloy · Answer 2 · 2022-08-01T19:00:36+02:00

Answer: Ms. Thomas can enroll in Part B without a late penalty at any time she is still covered by her employer group and 8 months after her last month of employer group coverage without a penalty. However, because she wants to enroll in a MA plan after retirement, she should make sure her Part B coverage is effective in time to use the Medicare Advantage/Part D special election period for individuals changing from employer group coverage to enroll in a MA plan or MA-PD. The SEP begins while she has employer group coverage and will last until 2 months after the month after the month her employer coverage ends. If she wants Part D coverage she should enroll in an MA-PD or a PDP (depending on how she decides to receive her Part A and B benefits) during this time.

Explanation: