Do I need Medicare Part D?
No, you do not need to enroll in Medicare Part D since our medical plans include prescription.
Once I turn 65, I have these Medicare forms that need to be completed by your office, how can these be taken care of?
Please submit any Medicare benefits forms to the Benefits Office; the Benefits Office will complete the Medicare Form that shows that you/dependent have been insured under the HCPSS group plan, and email you the completed form.
I am over 65 and so is my spouse. I need Medicare forms completed that show we have been insured under the HCPSS’ medical plan, what is the process of obtaining the forms to apply for Medicare Part B?
Once your retirement paperwork has been processed by the Retirement Office, the Benefits Office will complete the Medicare Form that shows that you/your dependent have been insured under the HCPSS group plan, and email you the completed form.
Will my monthly retiree health premium decrease once I enroll in Medicare? If so, by how much and when will it change?
Yes, it will decrease slightly. Rates are available to view on our Retiree Benefits website, under “Annual Medical Costs.”
I am retiring in July and will be turning 65 in November. Do I have to apply for Medicare and when will my Medicare coverage be effective?
Yes, if you are not disabled and turning 65 in November, you are required to enroll in Medicare and the effective date will be November 1.
Why do I have a copay if I have both Medicare and HCPSS coverage?
Medicare is the primary payor, and then HCPSS pays as the secondary payor, according to the coverage listed in the plan document. Any copays not covered by Medicare and allowable by your HCPSS plan would be the responsibility of the member to pay.
Can I have Medicare, HCPSS, and a third insurance?
Yes, it is entirely up to you if you want to have Medicare, HCPSS and other additional medical insurance.
How soon/late can I enroll in Medicare?
We recommend applying for Medicare with Social Security Administration (SSA) as early as 3 months before you retire and if already retired, 3 months prior to the month of your 65th birthdate; if disabled per the Social Security administration, as soon as eligible, even if under 65.
I am turning 65 before I retire. Do I have to enroll in Medicare Parts A & B?
You may enroll in Medicare Part A as there is no cost to you. You do not have to enroll in Medicare Part B, unless you have end stage renal failure. Please contact the Benefits Office at 410-313-7333 for more information.
How do I pay for my Medicare Part B premium?
Payments for Medicare are remitted to the Social Security Administration. If you are not receiving Social Security, their standard practice is to send a quarterly invoice.