ESRD and Retiree Coverage: 30-Month Coordination
With ESRD and retiree group health plan coverage, the group health plan generally pays first during the 30-month coordination period. Medicare pays second. After month 30, Medicare becomes the primary payer.
Frequently Asked Questions
- Does retiree coverage trigger the 30-month ESRD coordination period?
- Yes. Retiree group health plan coverage generally triggers the 30-month coordination period. The group health plan pays first and Medicare pays second for the first 30 months. After 30 months, Medicare becomes the primary payer. Confirm with your plan administrator.
- Should I keep my retiree coverage after getting ESRD Medicare?
- Yes — retiree GHP coverage pays primary during the 30-month coordination period, which is valuable. After month 30, Medicare becomes primary and retiree coverage pays secondary. Review what your retiree plan covers as a secondary payer after month 30.
- When does Medicare become primary if I have ESRD and retiree coverage?
- Medicare becomes the primary payer after the 30-month ESRD coordination period ends. Until then, the retiree group health plan pays first and Medicare pays second for covered services.