By David S Edge

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Discovering a Refund!!!

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Ben and Mary were in our office, and they were in a panic! They had waited until the last minute to find out what they needed to do to select Mary’s Medicare coverage. They didn’t realize that they can make these selections on plans up to ninety days before their effective date of the first of the month of their birthday. But, what had started as just helping Mary, turned into helping both of them!

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In reviewing and discussing Mary’s options, we discovered that Ben was also having his 65th birthday. He has been on Medicare disability and thought he would just continue with his Medicare A&B coverage, not realizing that when turning 65 he can now make a brand new selection from all choices of Medicare plans, not just Medicare Advantage plans for Medicare Disability persons under age 65. They were both pleased at this news.

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More importantly, Ben had been paying a penalty for not having any “creditable coverage”.What he didn’t realize, was that Medicare and Social Security were not aware that he had employer medical coverage with his trade union plan and he should not be paying the penalty. Ben was paying $195 a month for Part B when he should have been paying only $134!
While reviewing Ben’s circumstances, we were able to assist them in getting the Social Security forms they needed to prove he had “creditable coverage” so that he could file a claim with Social Security to eliminate the penalty. He was even able to get a refund on the months he had been paying the penalty!

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As originally intended, we were also able to take care of all of Mary’s enrollments in Medicare A&B as well as assist her in selecting the most appropriate Medicare coverage plan. It was a Win/Win/Save some money for the two of them, and they could not have been happier.

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Are you paying more for your health coverage than you should? Are you on the most appropriate Medicare health plan in your geographic area? Not sure, or simply don’t know? Call us! We can help you review every available Medicare health plan in your area!

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“What he didn’t realize was that Medicare and Social Security were not aware that he had employer medical coverage with his trade union plan and he should not be paying the penalty. Ben was paying $195 a month for Part B when he should have been paying only $134!”