Many people who leave their group plan for Medicare are surprised by the numerous plan options available. When it comes to health benefits and couples, Medicare planning is one of the times when a couple does not have to agree. They likely will not even start Medicare at the same time.
The choices for Medicare coverage should be based on each person's individual needs.
Couples likely do not share the same doctors, or at least may have some different specialist whom they do not share.
Couples likely do not share the same medical conditions or manage them with the same medications.
The frequency of healthcare visits also plays in healthcare benefit decisions on which couples may differ.
Thinking of retiring and planning your transition to Medicare? Let us review options with you! Help us get the word out to your employer!
We are here to help guide employees in clearing the confusion of Medicare to make Medicare at work 123Easy.
By American Retirement Advisors
American Retirement Advisors helps retirees and pre-retirees navigate Medicare, estate planning, and retirement income — so you can enjoy the retirement you've earned.
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Easy Eddie's Take
Such an important point is made here. Most people are surprised when they learn this, but Medicare enrollment is completely individual – even if you've been on the same employer health plan for decades. Here's the good news: this actually works in your favor because your healthcare needs are probably quite different from your spouse's.
Let's take a look at this together. When you turn 65, you get your own Medicare Initial Enrollment Period that starts three months before your birthday month. Your spouse gets theirs when they turn 65. You might choose Original Medicare with a Medigap policy because you see specialists often, while your spouse might pick a Medicare Advantage plan because they prefer the convenience of one card and lower premiums. One question that comes up all the time is whether you can have different prescription drug coverage – and absolutely, you can choose different Medicare Part D plans based on your specific medications.
Think of it this way: for the first time in years, you each get to pick the coverage that actually fits your health and budget. A little preparation today can make a big difference tomorrow.