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While you’re planning for your post-retirement future, spend a bit of time exploring health insurance options for your family. One of the most important things to keep in mind is that Medicare only offers individual coverage. You can’t add family members or dependents to your Medicare policy.
We can help you get started. Blue Cross and Blue Shield of Montana makes it easier for you and your family to Stay with BlueSM .
Here are some important things to consider.
The workforce still boasts plenty of people 65 and older. The latest stats reveal 32% of adults 65 to 69 years old still have jobs. That’s more than 10 million seniors. If you are part of the trend and have employer-sponsored health insurance, you can keep it rather than making the switch to Medicare.
Even if you elect to stay on your employer’s policy, though, you’ll need to at least enroll in Medicare Part A — and possibly Part B, too — as soon as you’re eligible, depending on the size of your employer.
Good news for your eligible dependents: If you keep working after age 65, your eligible family members and dependents can remain on your health care plan.
On the other hand, your family members will need their own health insurance plan if you retire. You will lose your employer’s health plan when you retire. Maybe your spouse is self-employed and not eligible for Medicare. Maybe you have a kid still in college. Or young children living at home. No worries.
You can find good coverage for your dependents.
BCBSMT offers a range of individual and family member health insurance plans designed to meet your needs and budget. You can find them on the health insurance marketplace or get one directly through us.
The plans can be purchased during the annual open enrollment period.
If your retirement falls outside the regular open enrollment period for individual plans (November 1 through December 15), your retirement that leads to them losing health care coverage makes them eligible for a special enrollment period.
We make it simple to protect your loved ones and keep them healthy. Helpful tools and info are right at your fingertips 24/7 at bcbsmt.com.
Find everything you and your family need to understand your options and choose a plan that fits.
With Blue Access for MembersSM, you and your family have a simple and secure way to review benefits, access digital versions of your member ID cards, find a doctor, calculate out-of-pocket costs for prescriptions, submit and track claims, make payments and more. Plus, with secure messaging, we can answer all your questions.
Celebrate and embrace this important milestone in your life. More importantly, start preparing for it now to make sure your family members will have the health care insurance they need once you turn 65.
Blue Cross and Blue Shield of Montana, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association
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Last Updated 10012018Y0096_WEB_MT_CONNECT19_C