if spouse is employed, which is primary insuance, medicare or insurance with present employer?

Answer 1

The spouse's insurance carrier will not want to be listed as primary, you need to ask both medicare and the spouse's carrier and get a letter stating whom they recognize as primary..

Answer 2

If the spouse is medicare eligible because of age and the employer insurance covers more than 20 employees then the employer insurance is primary..if less than 20 employees then Medicare is primary.

If the spouse is medicare eligible because of something other than age(disability...etc) then 100 employees or more covered employer insurance is primary less than 100 Medicare is primary.


The above is only if the spouse is eligible for medicare.

If only you are eligible for medicare (no matter what type of eligibility) then Medicare is primary over your spouse's employer health insurance.

Answer 3

Depends on the size of the group. Federal law mandates that if the group has 20 or more employees, the insurance is primary. If less than 20 employees, the Medicare is primary.

Answer 4

The insurance through the employer is primary, Medicare is always secondary if there is more than one insurance.

Answer 5

The spouse's insurance is always primary if you are on their insurance and are covered through them, medicare is the alternative for when you do not have coverage...

Answer 6

Insurance with the present employer.