Hi Reddit – I need some help on this,
I have a client who will be leaving their current job shortly and expects to be in-between jobs and medical coverage for a few months. They currently have group health coverage through their current employer group plan and that company is required to offer COBRA.
Client’s spouse is a covered eligible dependent who is disabled and on Social Security Disability (SSDI). As such the spouse is currently covered by Medicare Part A (no Medicare part B) which is provided to all SSDI recipients.
I understand COBRA is the secondary payer to Medicare when Medicare exists prior to an eligible person going on COBRA. The client’s spouse recently had major surgery and has a number of upcoming follow-on physician’s visits scheduled later this month.
Will COBRA cover the doctor visits and any related labs/tests ordered that are not covered by Medicare Part A (which it won’t since Medicare A is hospital coverage only) despite COBRA being secondary?
Are there any gotchas I’m not considering here? I really need to get the correct answer for my client but this one is a bit beyond my expertise.
THANKS FOR THE HELP!
submitted by /u/CFPwarrior
[link] [comments]Hi Reddit – I need some help on this, I have a client who will be leaving their current job shortly and expects to be in-between jobs and medical coverage for a few months. They currently have group health coverage through their current employer group plan and that company is required to offer COBRA. Client’s spouse is a covered eligible dependent who is disabled and on Social Security Disability (SSDI). As such the spouse is currently covered by Medicare Part A (no Medicare part B) which is provided to all SSDI recipients. I understand COBRA is the secondary payer to Medicare when Medicare exists prior to an eligible person going on COBRA. The client’s spouse recently had major surgery and has a number of upcoming follow-on physician’s visits scheduled later this month. Will COBRA cover the doctor visits and any related labs/tests ordered that are not covered by Medicare Part A (which it won’t since Medicare A is hospital coverage only) despite COBRA being secondary? Are there any gotchas I’m not considering here? I really need to get the correct answer for my client but this one is a bit beyond my expertise. THANKS FOR THE HELP! submitted by /u/CFPwarrior [link] [comments]Read Morer/HealthInsurance