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Forced on Medicare B
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Forced on Medicare B

I am retired on disability. I realize that I have been lucky enough to have had good insurance as a retiree, but it is slowly changing. I recently discovered that my Blue Cross Blue Shield policy will no longer cover anything that Medicare B should be covering. The thing is, I never joined Medicare B, mainly because I had good insurance since retiring. I recently discovered that if I pick up Medicare B, I'll have to pay a penalty every month until I reach the age of 65. I am now 57. The penalty is about $100 a month over the regular cost. I'm wondering if there is a way around this, because I really can't afford it. And I really didn't pay it much attention, because I was often in and out of the hospital over the past 10 years or so. Also, I'm wondering if I will not need to take the Medicare B if I drop my insurance and become a dependent on my wife's federal Blue Cross policy. These are questions social security and Blue Cross don't seem to answer very well. Please help. Thanks.
1 Comment
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282113_tn?1388163349
Dear wisertime,

It is true that most employer sponsored group (and retiree) plans don't qualify as credible coverage that can help waive your Part B penalty; however you stated "I can't afford it" which makes me wonder if you can qualify for subsidy or financial help. I recommend you looking into that with your local county authorities because even though a big part of funding comes from Federal Govt., the income level requirements varies by state & county.

As for your other question whether your spouse's coverage will cover your Part B benefits; only that plan can answer the question because it seems like you are referring to a group plan which have their own terms & conditions.

Sincerely,

Amir Mostafaie
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