Will Medicare pays first if I have declined my employer offered coverage?

Many different kinds of Medicare coverage’s are available for treating different diseases or health issues. It will help in reducing the financial burden from the individual. Each of the employers is also provided with Medicare Supplement Plans based on their organizational requirement. Normally they are taken in a group for all the people who are working in the organization.

These insurances are intended to provide the coverage not only to the individual but also to their family members. This makes the Medicare Supplement Plans quite popular and hence many organizations opt for them. The kind of plan which they have received depends on the kind of organization and the number of employees which it is having. Even the benefits will be provided to them accordingly.

Enroll for 2019 at www.comparemedicaresupplementplans2019.com for great plans

When you have not taken the group health plan coverage then Medicare will be acting as the primary payer. This will hold unless there are following conditions present.

  1. Your spouse is having coverage which is including you.
  2. The organization where your spouse works are having at least 20 employees.

Under the conditions discussed here, your Medicare Supplement plan will be acting as a secondary payer. In case if you are not taking the employer coverage plan while you were first offered, then you might not get a chance to join it later. Even if you take the coverage but drop the plan then also you will not be eligible to subscribe to the plan. There are also chances that you might be denied to be provided the coverage under below-mentioned conditions.

  1. Either your employer or the one of your spouse is offering retiree coverage.
  2. While working you and your spouse wasn’t enrolled in the plan.

If both of the conditions mentioned above are satisfied then there are likely chances that you might be denied to be provided with coverage. One should have a clear knowledge about the terms and conditions associated with the Medicare to ensure that they don’t suffer a loss in the future. They can then enjoy the maximum benefits by taking the respective Medicare coverage plan.


Thus, we can say that once you have declined your employee offered coverage, you can’t get it back. In that case, your Medicare Supplement plan will be acting as the primary payer unless few conditions which are discussed. There are chances that your spouse is having Medicare coverage in an organization having more than 20 employees. When this happens your Medicare will be acting as a secondary payer.

Things which should be taken care while enrolling for Medicare

Having insurance is always advantageous as it will cover most of the health care costs incurred. Few things are required to be analyzed before applying for the Medicare supplement plans. People are normally opting for Medicare when they are about to turn 65 or is likely preparing to retire. During this time there is a need to take a proper decision about your healthcare coverage.

When you enrol for the Medicare there are likely chances that you might face with a penalty or you might be having a gap in the coverage. It is completely dependent on your past decisions about Medicare and several other factors. One should, therefore, be ready to even face these situations when they are going to opt for the Medicare coverage.

Opting for the Medicare Supplement Plans

There are a few of the steps which one should follow in order to be ready for getting the maximum benefits out of Medicare. We have discussed each of these steps here in brief.

  1. Get to know about different parts of the Medicare. Medicare Part A is covering patient stays in the hospital which is having a skilled nursing facility and more. If you are trying to opt for the Medicare Part B then it will be covering down certain doctor services, outpatient care, supplies of medical facilities and many more.
  2. The second step would involve identifying the time period when you can enrol for Medicare. One can’t enrol for Medicare at any possible time. Some of the individuals get enrolled automatically, while others would need to apply for the same. The time period when you are initially enrolling for the Medicare is called Initial Enrolment Period. This period would normally begin 3 months before you turn 65 and also includes the month when you are turning 65. It will end three months after you turn to 65.
  3. Now decide whether you want to enrol for the Part A or Part B. Many of the people are enrolling for Part A even if they are having health insurance from the employer.
  4. Select the kind of coverage which you want for your health care benefits and then signup for the Medicare benefits unless you have it automatically.

Find a supplement plan at www.medicaresupplementplans2019.com for 2019.

Thus, we can say that there are a few of the steps which one should follow to have the best selection of the Medicare supplement plan. It will be useful to you when you require healthcare treatment. Many of your healthcare costs incurred will be covered by the Medicare benefits which are provided.

What Is The Delay Enrollment Fee?

For Medicare Part B which is not always automatic, each year you do not enroll in Part B after you are qualified, 10 percent will be added to your monthly premium if you do so. This is intended to discourage older people from delaying admission until they become ill.

The penalty for Part D is calculated by multiplying 1% of the national Basic Reward Premium by the number of complete months for which a beneficiary was qualified for the coverage but did not register. In addition, you can be fined if you go 63 days or more without having a Medicare prescription drug plan or other eligible insurance (for example, from a previous employer).

What is the Medicare donut hole?

A Medicare coverage gap (often referred to as “donut hole”) refers to the way in which Medicare drug benefits account for 100% of drug costs after their medicines add up at a certain price, but only nominally (5%) costs after catastrophic expenses.

However, beneficiaries will receive a 50% discount from the manufacturer for covered branded medicines, though the complete price for the catastrophic limit will be considered and 14% for generic medicines.

Under the Affordable Care and Patient Protection Act of 2010, the system will close slowly before it is effectively phased out in 2020.

Will Medicare cover for Preventive Care?

As a result of the growing appreciation for preventive medicine, Medicare covers many aspects of prevention, including:

  • An annual cardiovascular screening.
  • An annual physical exam including a Welcome to Medicare visit during the first 12 months.
  • Two fasting blood sugar studies (diabetes studies).
  • A screening colonoscopy for all individuals who qualify, usually once in 10 years, or if you are at high risk, once in 2 years. Participants above the age of 50 are allowed to take a fecal occult blood test every 12 months, and flexible sigmoidoscopy every 4 years.
  • Annual mammograms for women above 40. The plan also pays a baseline mammogram for women with Medicare between 35 and 39 years).

Look in the direction of a Medicare Advantage plan or supplement plan at https://www.medicaresupplementplans2019.com/aarp-medicare-supplement-plans-2019/

While Medigap plan coverage a specific set of benefits or costs that are not covered by Medicare, Advantage policies take a broader approach. The plans all offer the same benefits, including additional services such as dental and visual presentations, listening exercises, wellness programs, annual exams, etc. Many Advantage plans are even cover prescription drugs.

A Medicare Advantage Plan may in addition offer additional services such as vision, dentistry, and/or health and wellness programs. And most Advantage policies also include Medicare prescription drug coverage.

When a person joins a Medicare Advantage Plan, each month Medicare pays a fixed amount of care to the companies offering these plans. Such companies must follow strict rules set by Medicare.

However, each of the Medicare Advantage plans may charge different external costs, and the plans may also have different rules on how subscribers can receive their services. Take for instance, some plans may require participants to receive a referral before visiting a specialist.

Essential Vitamins for Feeling Your Best

Is your diet supplying you with all the necessary vitamins you need to be feeling your best? If your diet tends to consist of value meals and large, sugary drinks, chances are you’re missing out on vital nutrients you need to stay feeling great all day. Rather than tapping into your Medicare advantage plan for another doctor visit, put that money towards these essential vitamins.

Vitamin D

Vitamin D helps your body absorb calcium and is extra important for seniors as a deficiency can lead to osteoporosis. A great way to get Vitamin D is to get outside and spend time in the sunlight! Besides absorbing it through your skin, you can eat fatty fish, eggs, and liver.

Vitamin A

Vitamin A is an antioxidant that helps your vision and your immune system. Be sure to eat colorful fruits and vegetables, and drink your milk in order to keep these vitamin levels in check.

Vitamin C

Another antioxidant, this vitamin is essential for your skin and bone health, and helps your body absorb iron. Although we’ve all been told to drink our milk for Vitamin C, you can also get it from citrus, broccoli, and green peppers.

The B Vitamins

These vitamins are important because they help your body produce energy from what you eat and a lack of them can lead to anemia. In order to keep your body running in top shape, get your B Vitamins from meat, eggs, and fish proteins, leafy greens, and dairy products. Folic Acid is another B Vitamin that is sometimes overlooked. It’s role is to help the body make new, healthy cells, so you don’t want to skimp on this one.

Vitamin K

This vitamin is responsible for making proteins for blood clotting and for maintaining healthy bones. You may notice that a small cut results in an abnormally large amount of bleeding if you’re deficient in Vitamin K. To keep these levels adequate, make sure you’re eating dark berries and green vegetables. But be careful of your Vitamin K intake if you’re on blood thinners.


Take extra care to consider your daily diet and exercise habits. You can choose to supplement all of these vitamins with pills from your local grocery store or pharmacy, and be sure to consult your doctor before you do. But achieving healthy levels of many of these vitamins can be done simply by eating the right meats, fruits, and vegetables.

Don’t Let Debt Rule Your Retirement

When you’re doing everything you can to make the most of your retirement, it’s easy to get caught up in the convenience of having a little extra spending power at your fingertips. Fancy vacations, nice gifts for the family, expanding the house, or finally getting that nice boat or new Porsche you’ve always wanted- it’s all too easy to throw them on the credit cards or take out a small loan to cover the costs. Here are some tips to stay responsible and make sure the spending doesn’t get out of hand.

Interest rates

Having the convenience of credit is fantastic, but gone unchecked for too long and your interest rate could end up costing you way more than you ever intended to spend. Take extra time to find credit cards that are the right fit for you, much like finding the right Medicare supplement plans.

With the money saved focus on your health insurance coverage.  Save money by getting a quote at https://www.medicareadvantage2019.org/

The most important thing to consider is a low interest rate. If you plan on being super responsible and paying them off each month, then the interest rate isn’t really an issue. If that’s not the case, however, a high interest rate can wreak havoc on your bank account if you allow your credit card balance to pile up. Some consider compound interest to be the 8th wonder of the world, but it can make you rich or make you poor. It doesn’t discriminate.


The next thing to look for are cards that offer you some sort of reward for using them. Who doesn’t love rewards? Rewards could be in the form of cash back from purchases, or points that accumulate and eventually earn you special perks towards things you like. You might find one that saves you money each time you fill up at the gas station, or perhaps you love to travel and want to earn nights or entire stays at the nicest hotels wherever you go. Some can earn you gift certificates to your favorite retail stores or restaurants.


Regardless of your interests, what’s important is to make sure your credit cards are actually working for you each time you use them and aren’t just a placeholder for charging you interest on your biggest purchases. You want to use them to your advantage and keep the balances under control. If you do it right, you can spend less time worrying about debt and more time enjoying retirement with your loved ones.



The front coverage area of all the companies is the same which is also controlled by the lows of federal and state lows. However, one needs to compare all the Medicare Supplement Plans since the costs vary by the providers. So it is important to understand the structure of a policy before buy it. Along with that one needs to understand even about his/her own physical condition properly so that he/she can go for the best Medicare Supplement plan.


As original Medicare supplement Plans 2019 are located at https://www.bestmedicaresupplementplans2019.com/do not cover all health care costs, most beneficiaries choose to supplement Medicare benefits with a private health plan that works with Medicare – either a Medicare Supplement Plan, also called ‘Medigap’, or a Medicare Advantage Plan. Medicare supplement plans help pay the bills Medicare does not, and provide you with protection from the ever-increasing gaps in Medicare. To qualify for a supplemental Medicare plan you must have part A and B medical coverage. Acceptance of your application is guaranteed if you are 65 or older and apply within six (6) months of your initial enrollment in Plan B of Medicare. Under certain circumstances pre-existing conditions might be waived.


Medicare Advantage Plans (Medicare Part C) are plans that are approved by Medicare run by private companies. Some plans are at no cost and provide extra benefits that are not included by Medicare. You are able to make changes to your insurance during this time.


Some plans may also include a prescription drug plan, (Part D). As a result, members not only get quality health care coverage without the expense of high plan premiums or deductibles, they have virtually no paperwork to contend with. And at the same time, they still enjoy more health care benefits and services than original Medicare offers for little or no additional cost.


If you need to understand senior health insurance, it is very important to understand the difference between Medicare supplements and Medicare Advantage plans. The plans are both open to people who receive US Medicare benefits through Part A and Part B which are considered the “original plan”. Most retired Americans qualify for coverage, though most qualified beneficiaries do pay a Part B premium to help underwrite the costs of some of the coverage. The plans are largely funded by taxes. This is because Part A and Part B of the original Medicare plan cover a lot of basic health costs.





The true medicare plan was comprised of only Parts A and B. Later, the “advantage” plans of Parts C and D were added, and with a higher cost. Parts C and D had to be created because parts A and B did not pay for everything as in Medicare supplement Plans 2019.


Medicare has created Medicare supplement plans; located at https://www.medisupps.com/to ensure that all costs can be paid and it is a type of private insurance. Most of the costs these plans cover are deductibles and co-payments that can add up very quickly for seniors on fixed incomes. The supplement plans have been termed “Medigap” because the plans were created to cover the “gaps” in costs for procedures that are not always included in Medicare. Medicare supplement insurance is standardized and regulated by the U.S. government. You can obtain a supplement plan through insurance companies and you must choose which insurance company you want by the price of their supplement plan. This is true because each plan covers the same things-no matter what insurance company you receive it through.

Medicare Supplement Plans for 2019

Medigap insurance is regulated by the Federal government and insurance companies must also follow state laws. Due to different laws, the plans can vary slightly state by state. To add to the complexity of Medicare, there are 12 different types of standardized Medicare supplement insurance. They are designated letters of A through L, so it can take a great amount of time to figure out which supplement plan fits your needs.


Sadly, many Americans do not receive health insurance. This dilemma is often due to high insurance rates and prolonged, or even small, illnesses that can clean out an under-insured person’s savings. This results in medical bills that may never be paid off. The key is to have a plan in these situations. Even with the outrageous healthcare costs in this country, it is vital to plan properly if you were to need medical attention. Due to the fact that medical needs may come up suddenly, it is recommended that you obtain Medicare supplemental insurance.


The services one may get from a Medicare are the doctor costs and extra charges (part B), hospital costs (part A), at home recovery, emergencies in foreign travel, costs of skilled nursing home, blood bank services, prescribed medication costs and for the costs of preventive care. It’s wise to understand and shop the best Medicare Supplement plan according to the need.