63 year old, on Medicare due to DI, declined B since he was on his wife's plan.
Wife retired school teacher in 2006, coverage through school has been paying as primary until knee surgery last fall then for some reason it showed as secondary. They say it was supposed to be secondary all along.
Called Social Sec. they are telling him that he can enroll during the GEP, will have a penalty, but that penalty goes away when he T65's.
That is the part I don't believe and can't find. All I read is that once you have a penalty, you have it for life.
He is on costly medications, I ran the report and showed him how fast he'd hit the Gap, but it didn't seem to bug him. Told him the retiree plan will probably provide better Rx coverage without gap.
Wife's plan will cost ~$500/mo with a $2000pp deductible and pay secondary to Medicare.
Opinions?
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Found, publication 11219, penalty does go away when he t65's.
Wife retired school teacher in 2006, coverage through school has been paying as primary until knee surgery last fall then for some reason it showed as secondary. They say it was supposed to be secondary all along.
Called Social Sec. they are telling him that he can enroll during the GEP, will have a penalty, but that penalty goes away when he T65's.
That is the part I don't believe and can't find. All I read is that once you have a penalty, you have it for life.
He is on costly medications, I ran the report and showed him how fast he'd hit the Gap, but it didn't seem to bug him. Told him the retiree plan will probably provide better Rx coverage without gap.
Wife's plan will cost ~$500/mo with a $2000pp deductible and pay secondary to Medicare.
Opinions?
- - - - - - - - - - - - - - - - - -
Found, publication 11219, penalty does go away when he t65's.
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