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Employer/Group Retiree Overview

Recently, roughly 10 million Americans received Medicare coverage from their former employer, also known as Group Retiree Coverage. Now, fewer employers are providing the same Medicare benefits to their former employees. In the last 24 months, many companies have made the decision to discontinue Medicare insurance to a large portion of their retired employees. As a result, these employees must purchase Medicare insurance as an individual. The free Medicare Part D plan comparison tool helps Americans that have lost their employer coverage for Medicare find Part D plans of equal or greater value and benefit.

What do I do if my employer dropped or cancelled my Medicare coverage?

Did you recently receive a letter from your employer informing you that your old company would no longer be providing you with Medicare insurance benefits and that you would need to enroll in a Medicare plan yourself? This is a growing challenge in the United States. Many seniors that enjoyed Medicare health insurance from their former employers are faced with this unfortunate reality. Although this transition may be challenging at first, many of the insurance companies that offer Medicare plans do so at a lower overall cost than some plans provided by employers. The free and easy to use Medicare Part D plan comparison tool can help you find a Part D plan that meets your needs and estimate your annual Medicare expenses:

  • Enroll during the Medicare Open Enrollment period (November 15 - December 31). If you received a letter from your employer indicating that they will no longer be providing you with Medicare insurance, then you must enroll in a new Medicare plan when Medicare open enrollment begins on November 15, 2008. You can enroll in a plan anytime from November 15, 2008 thru December 31, 2008 for Medicare coverage that will begin on January 1, 2009.
  • The Medicare Part D plan comparison tool will help you find a Part D plan based on your zip code and your prescriptions. This tool will provide you with an estimated annual cost of your expenses, including premiums, deductible, and co-pays. Best of all, the Medicare Part D plan comparison tool is free for consumers.

Can I get the same coverage I had with my former employer?

Yes, it may be possible to sign up for the same plan that provided health insurance to your former employer. When you enroll as an individual, the costs may vary, but if you choose to do so, you may purchase health insurance directly from the health plan that provided health insurance to your former employer. It is also possible that you will find a plan with a lower premium and a lower estimated annual cost.

If I receive Medicare insurance from my employer can I still buy additional Medicare coverage?

If you have "creditable coverage" from your employer for Medicare Part D, you cannot buy an additional Medicare Part D plan. Medicare Creditable Coverage means that the Medicare coverage you receive from your employer is at least as good as the minimum coverage from Medicare. If the Medicare coverage you receive from your employer does not meet the Medicare standards, your employer will send you a notification letter.

Medicare Part D Explained:


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