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With Medicare s 7575 costs Part B premium of 685 deductibles etc having additional coverage can provide peace of mind and financial relief by covering Medicare s gaps Best for extensive medical care coverage AARP by UnitedHealthcare If you lose your job or retire before Medicare kicks in COBRA can be a useful bridge Medicaid is a state federal program that helps people with low income and limited resources Think of Medicare as the foundation once you re eligible with other insurances layering on top or filling gaps not kicking Medicare out of the picture and Medicare doesn t cancel valid employer retiree coverage you already have Many people combine Medicare with other coverage like an employer plan retiree insurance COBRA Medicaid Marketplace plans or even military benefits to help cover health costs With the right info you can confidently navigate your health coverage journey knowing that Medicare and your other insurance have you covered from all angles Always enroll in Medicare on time even if you have COBRA to avoid high costs and penalties When in doubt ask questions and get advice the official Medicare gov site How Medicare works with other insurance Medicare and other resources we linked are a great place to start Common question What happens if my employer has fewer than 75 employees In short Medicare becomes your primary insurance in that case so you need to have Medicare Part A and B to get full coverage If you ever want to use any civilian doctors or hospitals you ll need Part B and Part A One thing to remember Medicaid never replaces Medicare Medicaid may cover services Medicare doesn t like long term custodial care some dental vision in certain states etc but importantly it can also help pay Medicare s premiums and cost sharing For disabilities under 65 a similar rule applies if the employer has 655 employees Always confirm your employer s size and policies employer coverage Medicare Advantage vs If you don t your small employer plan might pay only a portion or nothing for your claims since they expect Medicare to pay first and another type of insurance Medicare will either pay primary or secondary for your medical costs The primary payer pays up to the limits of its coverage Navigating Medicare is complicated enough but things can get even trickier if you have other health coverage from an employer COBRA retiree benefits or the Veterans Administration This is because DHCS will not pay your Part B premium in months when Your Medi Cal share of cost SOC is over 555 AND Your medical expenses are lower than your SOC For example imagine Joe 67 works at a 65 person company and tries to stay on the company health plan alone Most veterans enroll in Part B when first eligible even if they use the VA to keep their options open To avoid this Joe should enroll in Part A and Part B when eligible The best Medicare supplement plan providers Best for extra plan benefits Humana While it s not mandatory you might want to purchase a Medigap policy to fill some of the gaps in Medicare Part A and or Part B And check out our other articles for deeper dives into related topics like Medigap vs If you don t sign up for Medicare on time you could end up with big gaps in coverage This is because Medicare doesn t cover everything In reality Medicare doesn t necessarily replace your other coverage often it works with it Note This section is about private individual insurance from the ACA Marketplace One of the most significant drawbacks of supplemental insurance policies is the coverage limits And if you re on Medicaid before 65 due to disability be sure to transition to Medicare when you qualify your Medicaid will coordinate and support but not fully replace Medicare s coverage Original Medicare pays for many but not all health care services and supplies The only time you generally must give up previous coverage is a Marketplace plan as discussed or if your employer requires Medicare enrollment at 65 Q What happens if my employer has fewer than 75 employees and I m 65 When you have other health coverage it s essential to know whether Medicare will act as your primary or secondary payer and how to avoid gaps in coverage Don t worry we ll break down the common scenarios in plain English with examples You can also confirm how Medicare works with your current insurance by contacting the Social Security Administration SSA Social Security Administration SSA The Social Security Administration is the United States government agency responsible for managing various programs including Medicare Social Security Disability Insurance SSDI Supplemental Security Income SSI and Extra Help Some individuals qualify for both Medicare and Medicaid these folks are called dually eligible Yes you can have both at the same time There s one rare exception if you have to pay for Part A because you don t get it premium free you can choose to stay on a Marketplace plan with subsidies instead of Medicare Do I need another health insurance if I have Medicare For example if you have full Medicaid typically the state will pay your Part B premium for you Medicaid Medicare A year later he learned that not only will he likely owe a penalty for late Part B enrollment but he also has to repay the government for the premium tax credits he received after turning 65 Coverage Medicare Supplement plans don t cover everything so you d still have to pay out of pocket for things like dental care vision care and long term care For example if your employer plan has a network you should stay in network even if Medicare is primary otherwise the employer plan might not pay its share A Your spouse cannot join Medicare until they turn 65 unless eligible through disability Medicare s official guidance says if you have COBRA but are eligible for Medicare and haven t signed up yet COBRA may only pay for a small portion of the health care services you get and you may have to pay most of the costs yourself COBRA coverage Medicare In other words COBRA 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