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Roadmap to Medicare

Turning 65,  COBRA

Your Roadmap is based on…

  • You are approaching age 65.
  • Your Primary Insured is not (or will not be) actively working at the employer providing your benefits.
  • You are (or will be) covered under the group health COBRA plan.

Recommendation Summary:

  • Since you do not have creditable coverage (group coverage based on current active employment), you are required to enroll in Medicare during your Initial Enrollment Period (IEP).
  • In order to avoid a late enrollment penalty and have full coverage, we recommend that you enroll in both Part A and Part B during your Initial Enrollment period. 
  • Schedule your Roadmap to Medicare appointment with an HTA Medicare Advisor if you have not done so already. 
  • How to Enroll in Medicare Part A and Part B at age 65

What is my deadline to enroll?

Your Initial Enrollment Period (Turning 65) is 7 months surrounding your 65th birthday to enroll online. Your effective date will be the 1st of the following month that you enroll.

Do I need Medicare to have full coverage?

Yes. Medicare Who Pays First states that Medicare becomes primary insurance once you turn 65. COBRA insurance will become secondary. If you do not enroll in Part A and Part B you may not have full coverage. 

Will I receive a penalty if I don’t enroll now?

Yes. You will receive a late enrollment penalty because COBRA coverage is not considered creditable coverage to Medicare. Creditable coverage is defined as group coverage based on current active employment. COBRA is not based on active employment.

Secondary Insurance Options

Since your COBRA benefits are considered secondary insurance to Medicare, you MUST be enrolled in Medicare A and B to have full coverage.  You may have the option to keep your COBRA Plan as secondary or elect a Medicare Supplement and Medicare Prescription Drug Plan as secondary.

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