Q: Can I keep my employer coverage?
A: Maybe. If the employer group has 20 eligible employees or more, and you’re going to continue to work, then yes it’s an option. But there are many things to consider.
Q: Do I need to enroll in Part “A” and Part “B” of Medicare?
A: Part “A” is typically in place, and a paid-up benefit when you turn 65. Part “B” is not, unless you have enrolled in Social Security prior to age 65. If you have not filed to receive Social Security benefits, then you need to proactively enroll in Part “B” benefits and begin paying for them.
Q: Can I just have “Original Medicare” A+B as my health insurance at retirement?
A: Yes. However, you will not have prescription coverage, and you will face unlimited exposure to those costs due to the gaps in Original Medicare.
Q: Can I keep all my same doctors when I’m on Medicare?
A: You usually can. It’s important to be sure your doctor accepts Medicare. Some don’t.
Q: Does Medicare cover me if I’m in a nursing home?
A: Yes, for up to 100 days, after a required three-day hospital stay.
Q: Does Medicare have dental plans?
A: No. But some Advantage plans offer limited dental coverage.