My husband is aging into Medicare, but I do not for another three years. He currently has group coverage and carries me on his employer’s plan. When he retires this year, what do I do?

This question has many layers, so there is no short answer to the question.  Here are some various scenarios to consider:

Scenario # 1: If your husband (the primary insured) ends his group coverage to sign onto Medicare, you (the beneficiary) will have to secure health insurance from another source, such as COBRA (if eligible), an individual policy, or your employer’s plan (if you have access to this coverage).

Scenario # 2: If your husband (the primary insured) ends his group coverage to sign onto the retirement medical plan that his group offers, you (the beneficiary) must check with the employer’s benefits administrator or the union group benefits administrator to see if you, as the retiree’s spouse can be included on the retiree’s medical plan. If the answer is no, you (the beneficiary) will have to secure health insurance from another source, such as COBRA (if eligible), an individual policy, or your employer’s plan (if you have access to this coverage). If the answer is yes, you will then need to confirm if you will be required to come off his retirement plan when you turn 65.

Scenario # 3: Your husband (the primary insured) may elect to continue working until you (the beneficiary) age into Medicare, and then both of you will sign onto Medicare at the same time.

Please keep in mind, if scenario 2 or 3 are elected, your husband must determine if he is required to take Part B. If not, he will need to complete Social Security’s “Request For Employment Information” form to prevent paying a Part B late entry penalty when he finally terminates his group coverage (Scenario 3).