» Elder Care Lawyer Christopher Berry Discusses Employed Medicare Enrollment Options

Elder Care Lawyer Christopher Berry Discusses Employed Medicare Enrollment Options

Bloomfield Hills, MI (Law Firm Newswire) September 5, 2013 – Though many individuals continue to work well past the age of 65, not many know if they should enroll in Medicare while still employed.

When their employer offers health care, with full or partial coverage, they are unsure if Medicare is even available, much less a prudent choice.

“It is currently considered a smart move for most workers to enroll in Medicare Part A,” said Michigan elder law attorney Christopher J. Berry. “Part A is free coverage for many people and it covers care in skilled nursing facilities and hospitals, and covers some care from home health agencies and hospices.” Before enrolling, says Berry, they should check with their employer or their spouse’s employer, if that is how they are currently covered, to see if the current coverage will be affected by Medicare enrollment. For some plans, even enrolling in Part A can change standard health care coverage.

Medicare Part B is in place to cover preventative care such as office visits and tests and outpatient care. There is a monthly premium for Medicare Part B; the amount changes every year. Individuals should be aware that if they do not sign up for Medicare Part B, as soon as they become eligible, they will likely have to pay a penalty of 10 percent of the premium for each of the years they delayed their enrollment. But employees currently employed and insured via an employee group health plan are allowed to delay enrolling in Part B without any penalty.

Those individuals are given a special enrollment period of up to eight months before they must sign up after retiring. Deciding to enroll in Medicare Part B should also depend on the number of employees in the health care program; if there are more than 20 employees, the employer’s group health plan is the primary insurer. However, if the employer has fewer than 20 employees, it is typically prudent to enroll in Medicare as soon as the date of eligibility occurs, as Medicare is the primary insurer.

“For those choosing to not enroll in Medicare part B, Medicare Part D may still be a worthwhile plan,” says Berry. “Part D covers prescription drugs. For those who already have prescription drug coverage through their employer’s health care plan, it is necessary to receive a letter from the insurance plan stating whether or not that company’s coverage is equal to or better than what Medicare can offer (known as ‘creditable’). If the current plan is ‘creditable,’ there will be no late-enrollment penalty for switching to Medicare Part D at a later date.”

The Elder Care Firm of Christopher J. Berry
2550 S Telegraph Rd.
Ste 255
Bloomfield Hills, MI 48302
Local: 248.481.4000
Toll free: 855-41-Elder (855-413-5337)

  • Obama to Upend Current Estate Plans, if Republicans Allow
    <p>If Obama is to upend current estate plans, elder-law attorneys are the “best resorts.”  Take the tax change proposals our President recently made, and which anyone can view. These changes spell CAUTION for the wealthy and/or those who’ve worked diligently and saved and invested wisely for themselves, and their progeny.: Estate Tax Exemption–The clock may be turned back to... <a href="http://www.theeldercarefirm.com/obama-upend-current-estate-plans-republicans-allow/" class="more-link" title="Read Obama to Upend Current Estate Plans, if Republicans Allow">Read More »</a></p>
    <p>The post <a rel="nofollow" href="http://www.theeldercarefirm.com/obama-upend-current-estate-plans-republicans-allow/">Obama to Upend Current Estate Plans, if Republicans Allow</a> appeared first on <a rel="nofollow" href="http://www.theeldercarefirm.com">Estate Planning Lawyers | Elder Law Attorneys | Brighton | Novi | Livonia Elder Law Attorneys</a>.</p>
  • Can Alzheimer’s Disease Be Prevented?
    <p>Alzheimer’s disease is a progressive deterioration of the brain that starts with the diminishment of short-term memory. As it progresses, cognitive function and language abilities also degenerate. This deterioration progresses to the point where victims can no longer care for themselves. This condition eventually affects the bodily functions which deteriorate and ultimately leads to death. Alzheimer’s... <a href="http://www.theeldercarefirm.com/can-alzheimers-disease-prevented/" class="more-link" title="Read Can Alzheimer’s Disease Be Prevented?">Read More »</a></p>
    <p>The post <a rel="nofollow" href="http://www.theeldercarefirm.com/can-alzheimers-disease-prevented/">Can Alzheimer’s Disease Be Prevented?</a> appeared first on <a rel="nofollow" href="http://www.theeldercarefirm.com">Estate Planning Lawyers | Elder Law Attorneys | Brighton | Novi | Livonia Elder Law Attorneys</a>.</p>
  • Durable Powers of Attorney Can Help Smooth Transitions for Elder Care in 2015
    <p>Durable Powers of Attorney There is a need in all of us to nurture our parents as they become older. We make decisions regarding where they will live – whether in their own home, with you or in an elder care facility. After making this decision, however, you find there are other preparations to arrange. You may now find yourself... <a href="http://www.theeldercarefirm.com/durable-powers-attorney-can-help-smooth-transitions-elder-care-2015/" class="more-link" title="Read Durable Powers of Attorney Can Help Smooth Transitions for Elder Care in 2015">Read More »</a></p>
    <p>The post <a rel="nofollow" href="http://www.theeldercarefirm.com/durable-powers-attorney-can-help-smooth-transitions-elder-care-2015/">Durable Powers of Attorney Can Help Smooth Transitions for Elder Care in 2015</a> appeared first on <a rel="nofollow" href="http://www.theeldercarefirm.com">Estate Planning Lawyers | Elder Law Attorneys | Brighton | Novi | Livonia Elder Law Attorneys</a>.</p>
  • Michigan Estate Planning Basics: How to Avoid Probate
    <p>When someone dies who has no plans in place to transfer assets to their heirs, the estate goes to probate in Michigan. The Michigan probate court then determines how the assets are distributed, after a lengthy process that is not without cost. It’s a stressful situation, to say the least, but it does not have... <a href="http://www.theeldercarefirm.com/michigan-estate-planning-basics-how-to-avoid-probate/" class="more-link" title="Read Michigan Estate Planning Basics: How to Avoid Probate">Read More »</a></p>
    <p>The post <a rel="nofollow" href="http://www.theeldercarefirm.com/michigan-estate-planning-basics-how-to-avoid-probate/">Michigan Estate Planning Basics: How to Avoid Probate</a> appeared first on <a rel="nofollow" href="http://www.theeldercarefirm.com">Estate Planning Lawyers | Elder Law Attorneys | Brighton | Novi | Livonia Elder Law Attorneys</a>.</p>

See other news sources publishing this article. BETA | Tags: , , ,



Get headlines from Law Firm Newswire sent right to your inbox.

* indicates required