Female, age 67,smoker. On leave from employer from Aug 2015 thru December. On Mcare A. Employer has 20+
Continued on group plan through 12/31 as a FT employee even though she did not receive a paycheck while on leave.
Woman first contacted me before turning 65, so this has been going on for a while. Fired her a couple of times but like a bad penny she comes back.
Rather than taking COBRA for 1/1/16 she added Part B, D and a Medigap. She has ulcerative colitis and other issues. Rx expensive when she has flare ups.
Today she said she thinks she can return to work early March and get back on the group plan. Group will only be $80/mo.
I covered all her alternatives last year and told her to pick COBRA OR Medicare but not both.
She wants to keep A & B + the supplement plan. Group has $2600 deductible and no copay's. Wants to know if Mcare and supp will cover what group plan doesn't because of deductibles and coinsurance.
No, they won't.
Mcare probably will pay $0. Not even sure you can keep the Medigap if Mcare isn't primary, but probably not. If you drop your supp you probably won't be able to get another. Even if you can it won't be at the current price.
All this was discussed many times and followed up via email.
I feel like an accountant whose client comes to them and says "This is what I did. Can you fix it?"
Think I need to fire her for good.
Continued on group plan through 12/31 as a FT employee even though she did not receive a paycheck while on leave.
Woman first contacted me before turning 65, so this has been going on for a while. Fired her a couple of times but like a bad penny she comes back.
Rather than taking COBRA for 1/1/16 she added Part B, D and a Medigap. She has ulcerative colitis and other issues. Rx expensive when she has flare ups.
Today she said she thinks she can return to work early March and get back on the group plan. Group will only be $80/mo.
I covered all her alternatives last year and told her to pick COBRA OR Medicare but not both.
She wants to keep A & B + the supplement plan. Group has $2600 deductible and no copay's. Wants to know if Mcare and supp will cover what group plan doesn't because of deductibles and coinsurance.
No, they won't.
Mcare probably will pay $0. Not even sure you can keep the Medigap if Mcare isn't primary, but probably not. If you drop your supp you probably won't be able to get another. Even if you can it won't be at the current price.
All this was discussed many times and followed up via email.
I feel like an accountant whose client comes to them and says "This is what I did. Can you fix it?"
Think I need to fire her for good.