Question
"your spouse or family member stops working, or the date the Group Health Plan (GHP) or Large Group Health Plan (LGHP) coverage ends"
My question is what "coverage ends" means. My employer health insurance for couples has become very expensive. We can save a lot of money if my husband dis-enrolls and could take Part B without the penalty (he is 80 years old, I am 61 y/o).
My insurance is not ending. If he leaves my insurance voluntarily would this be considered "coverage ends". Many thanks.
Answer
Interesting question. Does your group have more than 20 employees? If so, did he ever sign up for Medicare Part A (free)? I would call Medicare so that you can explain to them your status. You probably will have to wait til the enrollment date to do this. Is Medicare the secondary coverage for him?
(I am going away on vacation so probably will not be able to get your response)
