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titleCan I delay enrollment in Medicare without a penalty if I’m covered under Reliant’s medical plan?


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titleYES > You Yes, you can enroll in Medicare Part A and delay enrolling in Medicare Part B

YES, you can enroll in Medicare Part A and delay enrollment in Medicare Part B without a penalty and remain covered under Reliant's medical plan, as along as you're still employed and benefits eligible with Reliant. 

In this scenario, your GuideStone employer coverage would be your primary coverage and your Medicare Part A coverage would be secondary coverage for any hospital bills you might incur.  

See https://www.medicare.gov/sign-up-change-plans/how-do-i-get-parts-a-b/should-i-get-parts-a-b for additional information.  


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titleYES > You Yes, you can delay enrollment in both Medicare Part A and Medicare Part B

YES, you can delay enrollment in Medicare Part A & Medicare Part B without a penalty if you're covered under Reliant's medical plan. 

See https://www.medicare.gov/sign-up-change-plans/how-do-i-get-parts-a-b/should-i-get-parts-a-b for additional information.  

Excerpted section from the Medicare website: “People with group health coverage based on current employment may be able to delay Part A and Part B and won’t have to pay a lifetime late enrollment penalty if they enroll later. If you want to delay both Part A and Part B coverage, you don’t need to do anything when you turn 65."


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titleWhat do I need to tell Reliant about my Medicare decision/enrollment?

If you enroll in Medicare when you are eligible at age 65, please notify Reliant you are now on medicare coverage by completing a waiver form (see Insurance Waiver Options) using the effective date of your Medicare coverage.  Email the waiver form to benefits@reliant.org within 30 days of your Medicare enrollment date to ensure Reliant can stop your coverage and avoid excess medical charges to the MTD account.

If you choose to delay enrollment in Medicare, nothing needs to be done immediately. You will need to notify Reliant 6 months prior to when you do plan to enroll in medicare Medicare so we can stop your HSA contributions and avoid you being penalized for those contributions.  See the next  question for more details.  To notify Reliant of your upcoming Medicare enrollment, email us at benefits@reliant.org at least 6 months prior to the enrollment date, including the date you expect to enroll in Medicare and asking us to cease contributing to your HSA. You will also need to submit a waiver form to benefits@reliant.org within 30 days of your Medicare enrollment date to ensure Reliant can stop your coverage and avoid excess medical charges to the MTD account.

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