Medicare Guidelines

Medicare is a federal health insurance program for retirees age 65 or older and certain disabled people. Medicare Part A covers inpatient hospital care, some skilled nursing facility care and hospice care. Medicare Part B covers physician care, diagnostic X-rays and lab tests, and durable medical equipment.  Medicare Part D is a federal prescription drug program.

When you or your spouse is age 65 or over, or if you or your spouse is disabled, visit Social Security's website or your local Social Security office to find out if you are eligible for free Medicare Part A coverage. 

If you (the insured) continue working after age 65, you and/or your spouse should NOT enroll in Medicare Part B until you (the insured) retire. 

! - When you (the insured) retire:

  • If you and/or your spouse is eligible for free Medicare Part A coverage, state law requires that you and/or your spouse enroll in Medicare Part A and Part B in order to be covered by the GIC.
  • You must join a Medicare plan sponsored by the GIC to continue health coverage.  These plans provide comprehensive coverage for some services that Medicare does not cover.  If both you and your spouse are Medicare eligible, both of you must enroll in the same Medicare plan.
  • You MUST continue to pay your Medicare Part B premium.  Failure to pay this premium will result in the loss of your GIC coverage.

Retiree and Spouse Coverage if Under and Over Age 65

If you (the retiree), your spouse or other covered dependent is younger than age 65, the person or people under age 65 will continue to be covered under a non-Medicare plan until you and/or he/she becomes eligible for Medicare.

If this is the case, you must enroll in one of the pairs of plans listed in the Medicare/non-Medicare Combination Coverage section for.state and municipal retirees and survivors or GIC Retired Municipal Teachers (RMTs) and Elderly Governmental Retirees (EGRs).

This information provided by the Group Insurance Commission .