Tag: medicare secondary payer

Question: Are employers required to offer benefits to employees eligible for Medicare (65 or older)? Answer: An employee who is entitled to Medicare may: Remain enrolled in a company’s group health plan and delay enrollment in Medicare; Elect enrollment in Medicare and remain enrolled in the group health plan at the same time; or Voluntarily revoke group…

Question:  Can an employer offer a group Medicare supplemental plan (employer paid) for employees enrolled in Medicare Parts A & B? Answer: Employer-sponsored group health plans are required to comply with the federal “Medicare Secondary Payer” provision.  The MSP rules determine whether the group plan or Medicare will be the primary payer with respect to ACTIVE…

Question: We would like to write our plan to have a spousal exclusion or surcharge if the spouse has other coverage available. Every example I have looked at only refers to group health plans, and does not include eligibility for Medicare. I know we can’t incent people to enroll in Medicare, but do you know…

Question:  Can we offer employees who are Medicare eligible an incentive in a supplemental payment to move from our group health plan to Medicare? We have two Medicare-eligible employees currently on our group health plan and two more that will become Medicare-eligible this year. We are told that this drives up our premium costs by…