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I have health insurance through my employer. I turned 65 in July, 2018; DH turned 65 in October 2018. We both applied for Medicare A and are enrolled.


In late September, I decided to retire as of Dec 1, 2018. My employment and my employee health benefits, under which my DH is covered, will end on Nov 30.


I have applied for my retiree benefits to start Dec 1.


I've been through the mill with the SS office. I was initially told that there was no problem with DH and I applying for Part B as part of the Special Enrollment Period that exists for us as we have had credible coverage. So no problem, right?


Except, first they lost the Part B paperwork.


When I went back today, they told me that, even though my husband has been covered under my employee benefits for 16 years, because he did not apply for Medicare Part B during his birthday month (October) he is NOT eligible for Part B to start until Jan 1.


I told them I thought that that wasn't possible; CMS couldn't possibly say that his IEP trumped the SEP.


They insisted (went through 3 agents, including the "expert") who told me that that is the correct interpretation.


Because I had proof that the paperwork from my employer was signed during the month of October (his birthday month) they say that he's eligible for coverage that starts Nov 1 (even though I'm still employed). He can be eligible for Nov 1 OR Jan 1. Just NOT Dec 1.


Does anyone have anything they can point to that says that this is not the correct interpretation of the law?

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When I had employees retire, I would have to fill out a Form CMS L564 for them to submit. Did your employer fill that out?
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All I understand is that getting SS and Medicare to cooperate in applying the rules (or Laws) is not likely. Keep trying.

Bumping this up.

I started with my complaint back in Oct. 2017. They fixed my husband's medicare.
Not mine yet, but there have been letters rumbling about something I don't yet understand that looks promising. However, my approach to visit the SS office regularly and ask them to explain, and filing an appeal has helped.
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Bumping up.
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