The PEBB rules and Medicare rules differ for those retirees that are under the age of 65 and enroll in Medicare. Some of the key points include:
-Many individuals who qualify to receive Medicare because of a permanent disability will also qualify for Medicaid coverage. This circumstance is very common for children. The majority of individuals that have Medicaid coverage are not allowed to enroll in Medicare Supplement plans.
-Those individuals who have ESRD (end-stage renal disease), do not have the option of changing their coverage to enroll themselves in one of the Medicare Advantage plans that is available.
-Some individuals ask the question, If I get Medicare because I m disabled , how will that affect my PEBB health insurance ? The rates are not the same for PEBB retirees who have disability Medicare and choose to have a Medicare Supplement plan as they are for the retirees that are over the age of 65.
PEBB requires notification if anyone in the household under the age of 65 has enrolled in Medicare. This allows PEBB to adjust the monthly premium for the household.
How Do I Pay for My PEBB & Medicare?
Individuals pay their PEBB rates on a monthly basis. It is just one piece of the health care bill. Individuals also have to pay their Medicare Part B premium on a monthly basis. There is usually no charge for Medicare Part A.
The majority of PEBB subscribers choose to have their premiums deducted on a monthly basis from their social security check. The premium for Medicare Part B increases in January of each year.
PEBB coverage works simultaneously with Medicare Parts A and B so an individual’s health care plan will continue providing comprehensive coverage.
Those individuals who continue to work and get Medicare can delay signing up for Medicare Part B until they decide to retire or leave work resulting in termination of their PEBB insurance plan.
What Determines Who Pays My Health Care Costs First?
The way your health care costs are paid depends on your status as a subscriber. It varies depending on whether you are retired, covered by PEBB insurance because you are still working, or no longer working.
- If you are no longer working or retired but still covered by PEBB insurance, Medicare will pay first and then PEBB pays.
- If you still work and are covered by PEBB insurance, PEBB will pay first and then Medicare pays.
Hopefully this answered your question – ‘ If I get Medicare because I m disabled , how will that affect my PEBB health insurance ?’