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any Medicare experts out there?
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<blockquote data-quote="DammitJanet" data-source="post: 602177" data-attributes="member: 1514"><p>I think I have the answer too but Im also willing to bet the answer is somewhere on Medicare.gov</p><p></p><p>I know that when my parents were alive and my father still was covered by his insurance at work because he worked well past the age for social security and medicare, my mom was covered under both as was my father. They did this because his job paid 100% of their premiums and copays. Now I dont know if she had to stay on his insurance or if they could have opted out if my father had to pay for her to be on the policy. </p><p></p><p>I would think that if insurance is offered at your new job and you do take it, that policy will be primary and medicare will be secondary. You could probably drop the BCBS policy until you needed it again. Im assuming you are paying for your BCBS and your Part D. If you get extra help for Part D, that would probably change the fact that you can get the extra help for Part D because I believe that is based on income. </p><p></p><p>Now that is all my understanding and it may be wrong. I know I wont even attempt to work because I get medicaid along with my medicare even though Im not on SSI. It just happens to be that the amount of money I get for disability is less than the cut off for medicaid for the disabled. However I could only make about $75 a month before I would go over that cut off and paying for what medicaid covers would be prohibitive.</p></blockquote><p></p>
[QUOTE="DammitJanet, post: 602177, member: 1514"] I think I have the answer too but Im also willing to bet the answer is somewhere on Medicare.gov I know that when my parents were alive and my father still was covered by his insurance at work because he worked well past the age for social security and medicare, my mom was covered under both as was my father. They did this because his job paid 100% of their premiums and copays. Now I dont know if she had to stay on his insurance or if they could have opted out if my father had to pay for her to be on the policy. I would think that if insurance is offered at your new job and you do take it, that policy will be primary and medicare will be secondary. You could probably drop the BCBS policy until you needed it again. Im assuming you are paying for your BCBS and your Part D. If you get extra help for Part D, that would probably change the fact that you can get the extra help for Part D because I believe that is based on income. Now that is all my understanding and it may be wrong. I know I wont even attempt to work because I get medicaid along with my medicare even though Im not on SSI. It just happens to be that the amount of money I get for disability is less than the cut off for medicaid for the disabled. However I could only make about $75 a month before I would go over that cut off and paying for what medicaid covers would be prohibitive. [/QUOTE]
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