Question 1

Does losing retiree coverage trigger a Medicare Special Enrollment Period?

Accepted Answer

No. Losing retiree coverage does not create a Part B Special Enrollment Period. Only losing active employer group health plan coverage qualifies for the 8-month SEP.

Question 2

Does retiree health coverage count as active employer coverage for Medicare?

Accepted Answer

No. Retiree health coverage is not active employer coverage under Medicare rules. It does not protect you from Part B late-enrollment penalties and does not trigger a Special Enrollment Period when it ends.

Question 3

Can I delay Medicare enrollment if I have retiree coverage?

Accepted Answer

No. Retiree coverage does not give you the right to delay Medicare enrollment without penalty. If you miss your Initial Enrollment Period, you risk a permanent Part B late-enrollment penalty of 10% for each 12-month period you could have had Part B but did not enroll.

Question 4

Who pays first — Medicare or my retiree plan?

Accepted Answer

Generally, Medicare pays first once you are enrolled, and the retiree plan pays second as a supplement. Confirm payer order with your former employer before relying on any coverage.

Medicare and Retiree Coverage: Enrollment Deadlines and Penalties

Frequently Asked Questions