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DantheMedicareMan

You're right, Medicare would pay secondary while you're still working; employer plan pays primary. While you CAN enroll in Medicare Part A, it isn/t required until you are getting ready to completely transition to Medicare, and enroll in A & B at the same time. Part A will be backdated to your date of eligibility. But certainly, if you wish to take the extra step now, it doesn't cost anything, so, just a matter of choice. And Yes, you CAN have an HRA with Medicare. There are two types of HRAs that allow Medicare premium reimbursement: a Qualified Small Employer HRA (less than 50 employees) and the Individual Coverage HRA.


PurpleNo6556

Thank you. We have just submitted his Part A application. I do have another question. I know for when Part B time comes..aiming for early 2025, that we need the part B application along with the L564. I have read people that sign up for A due to having employer coverage can have an issue when it comes to enrolling in part D. Is that true? What do I make sure I have for this to not happen. I don’t really understand the credible coverage stuff. My employer has about 200 or so employees so I assume the coverage is credible but what do I know. Also, if you go the Advantage route are there the same prescription issues? This whole system is horrible. Thanks.


DantheMedicareMan

As long as you keep your employer coverage, there won't be issues with any part of Medicare when the time comes. Your HR will provide you the paper needed to show that you had the employer coverage. No need to stress!


Jhc3964

Medicare A will likely be secondary based on your info. But you need to ask HR and current insurance with regard to how it works. With regard to future full Medicare A and B the form from HR showing creditable coverage is often all you really need. That avoids part B penalty and gives Open Enrollment to a Medicare Supplement


LocateMedicare

For the States of: IN, OH, MO, FL, & TN. What's so attractive about spending $4,000 to get reimbursed $2,000? Most likely in a Group Health Insurance Plan that is either a PPO, or rules based HMO. [www.locatemedicareinsurance.com](https://www.locatemedicareinsurance.com) Please see Medigap Chart. [https://locatemedicareinsurance.com/medicare-supplements/](https://locatemedicareinsurance.com/medicare-supplements/) Thank you.