Client's HR Won't Drop Them From Employer Plan

[Jim Wright]

……

But since you have that three month eligibility window, does that not allow you to drop it within that three months after your birthday?

Three months is for Medicare. Group operates on either 30 or 60 days.

 

[newbie2001]

Three months is for Medicare. Group operates on either 30 or 60 days.

man.... what am I gonna do...

 

[Jim Wright]

man.... what am I gonna do...

If the HR is not going to budge then either she pays for both or cancels the supp and enrolls again next year when she gets of her group plan

 

[newbie2001]

If the HR is not going to budge then either she pays for both or cancels the supp and enrolls again next year when she gets of her group plan

Won't she lose her open enrollment/gi right?

 

[The Benefit Coach]

More than likely, this is probably due to enrollment in a pre-tax plan, which has rules about terminating coverage off-anniversary without a qualifying event.

Yes, IRC Section 125 rules.

 

[MedicareWAA]

Won't she lose her open enrollment/gi right?

She should have one when she loses her group coverage at the end of the year and elects to buy a supplement.

 

[newbie2001]

She should have one when she loses her group coverage at the end of the year and elects to buy a supplement.

She already has A&B though + Plan N + PDP

 

[MedicareWAA]

Three months is for Medicare. Group operates on either 30 or 60 days.

Jim, what percentage of large group plans would you expect to be difficult on this issue?

I've only seen it a few times (slightly more often with dropping the group dental). Client T65 in February. Decides to start Part B in August. They rarely report any problems with dropping the group plan upon Part B award, and they continue working.

So have I been extraordinarily lucky? Is this far more common than I appreciate?

 

[MedicareWAA]

She already has A&B though + Plan N + PDP

She'll still have GI rights if she drops the Medigap, she has her group plan, then the group plan coverage ends later and she wants a Medigap when that happens. Whether you'll earn a commission is a different matter, of course.

 

[newbie2001]

She'll still have GI rights if she drops the Medigap, she has her group plan, and then the group plan coverage ends later. Whether you'll earn a commission is a different matter, of course.

This industry/job's rules and regs never fail to surprise me.

Seemingly run into new ones almost every month