When does Medicare become the primary insurance?

Answer 1

Medicare is only secondary to your group coverage if you work for a company with 20 or more employees (could be a combination of part-time and full-time, based on total number of hours per year) and you worked 20 weeks or more, in the current or preceding year. They do not have to be consecutive weeks. If you work less than 20 weeks or your employer employs less than 20 employees, or both, your medicare coverage is your primary insurance coverage.

Primary status of group benefits takes place as soon as the employment and work week criteria are met. It will be primary for at least the rest of the current calendar year and all of the following year.

Primary status for medicare takes place on January 1st of the following year after an employer employs less than 20 employees or you work less than 20 weeks in that year. Medicare remains primary until employment or work week criteria meet levels to make group benefits primary.

Answer 2

Medicare becomes the primary insurance if you drop your employer insurance. Up until you drop your employer insurance, Medicare would be your secondary insurance.

Answer 3

The answer to your question has different situations involved

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