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Retiree coverage and medicare rarely pay in the order people expect. If you are still working at 65, or already past it, the order of payment depends on one fact: whether your health plan comes from current employment. That single detail decides whether you can safely delay Part B or must sign up now. Getting … Read more
cobra and medicare are the two words that cost older workers the most money. You turn 65. You keep working, or your job ends and you elect COBRA. It feels like real coverage, so you delay Part B. Medicare does not see it that way. COBRA is not coverage based on current employment. That single … Read more
Medicare and HSA rules collide the moment you turn 65 and keep working. Most people assume the two accounts can coexist. They cannot. Once Medicare coverage begins, your HSA contribution limit drops to zero for every month you are enrolled. The trap is that premium-free Part A can start retroactively — up to six months … Read more
Medicare part b special enrollment period rules are what let you delay Part B while you are still working, without paying a lifetime penalty for the delay. If you have group health plan coverage based on your own or your spouse’s current employment, you generally do not have to take Part B at 65. When … Read more
The medicare 20 employee rule decides one thing: whether your job’s health plan pays your medical bills first, or Medicare does. It turns on the size of the employer that sponsors the coverage. If that employer had 20 or more employees, the group health plan is the primary payer and Medicare pays second. If the … Read more
Working past 65 and Medicare do not always fit together neatly. You turn 65. Medicare eligibility begins. But you still have a job, and a health plan attached to it. So the question arrives: do you have to sign up now? The honest answer is that it depends on two things. It depends on how … Read more
A medicare lien on wrongful death is one of the first surprises many families meet after a fatal accident case settles. The money does not simply arrive and get divided among survivors. If Medicare paid hospital, ambulance, surgical or hospice bills related to the injury that caused the death, Medicare has a legal right to … Read more
ignoring a medicare lien is one of the most expensive mistakes an injured person can make after a settlement. The word “lien” is loose shorthand. What Medicare actually holds is a statutory right of recovery for medical bills it paid on your behalf while your injury claim was pending. Those bills are called conditional payments. … Read more
State medicaid recovery from a settlement is the second claim on money you thought was yours. You settle an injury case. The check arrives at your lawyer’s office. Then the state Medicaid agency asks to be paid back for the medical bills it covered while you were healing. This surprises almost every family. It is … Read more
A medicare advantage lien is the repayment claim a private Medicare Advantage plan makes against your injury settlement. If you are enrolled in Part C, your plan paid your accident-related bills. When a settlement, judgment or award arrives, that plan can demand its money back. Many families are blindsided by this. They assume only “real” … Read more