MAPD - after employer coverage

[JJ2713]

Coming off employer coverage...

You get an 8-month SEP for enrolling in Medicare.

You get the 6-month OEP for MedSupp , that starts When Part B starts.

For MAPD... during the ICEP, you only get 3 months that take place before Part B begins, which is odd.
So... someone would have to sign up for MAPD first, then Medicare?

What are the specifics of how that works?

 

[JJ2713]

I know they can enroll during AEP later. The question pertains to the initial enrollment into MAPD after employer coverage.

 

[T Sparks]

For ICEP you get a total of 7 Months, 3 months before, the month of and up to 3 months after Part B

 

[Chazm]

Maybe you mean for the drug coverage? If they have employer coverage they can get plans past the part b date.

 

[sshafran]

Coming off employer coverage...

You get an 8-month SEP for enrolling in Medicare.

You get the 6-month OEP for MedSupp , that starts When Part B starts.

For MAPD... during the ICEP, you only get 3 months that take place before Part B begins, which is odd.
So... someone would have to sign up for MAPD first, then Medicare?

What are the specifics of how that works?

No mapd before Medicare...

Leaving EGHP: Assuming post T-65, for example, 68 yr old, took Part A @ 65, now 68 and retiring.

Step 1 - enroll in Part B (2 forms to fill out)
Step 2 - pick the mapd and enroll. Best to pick before retire date, but don’t wait longer than 2 months.

You need Part B to be able to enroll into MAPD. You’d use an SEP in this situation (not ICEP) - leaving employer group health plan.

 

[JJ2713]

I see it now






Still need clarification on the following, because the second image is what confused me,

It's ICEP... it says "creditable coverage" but it also says having Part A and delayed Part B... i assumed employer coverage as the creditable coverage, which it is... which is why I didn't understand

When you delay to keep employer coverage, are you delaying both Part A and B or just A?

I know you can just have Part A and delay Part B. Why would someone do this if not for employer coverage?

 

[JJ2713]

Also, if someone can answer this as well..

For Part D Drug Plan...

turning 65 = IEP (like for MAPD)
coming off employer coverage = SEP for 3 months from loss of coverage (like for MAPD)
AEP = can join a PDP

But what about if someone enrolls in Medicare during the GEP?
ICEP doesn't apply for PDP.
They have to wait until AEP?

 

[LostDollar]

When you come off an employer health plan that includes creditable drug coverage you have 63 days to enroll in a PDP.

 

[LostDollar]

When you delay to keep employer coverage, are you delaying both Part A and B or just A?

For most people, part A is premium free so usually it is suggested to enroll in this when you turn 65. A major exception to that is if you want to continue contributing to an HSA, then you delay part A enrollment.

Part B costs money. Part B enrollment also starts the clock ticking on the Med Sup enrollment period and the med sup also costs money. If a person is working for a large employer, the wiser choice is often to delay Part B enrollment. A person can also delay Part B enrollment by going on their spouse's plan if the spouse is working for a large employer.

If you watch the threads in the senior forum, you will sometimes see one about a client who took Part B when they turned 65 and continued working and now have a health problem.

 

[kstein]

If you don't use SEP LEGHP then the person will likely have a LEP for Part D so SOOL