check out our article here
. Your spouse's private insurance coverage is creditable if they work for a company with at least 20 employees. When weighing your options, your first question should be the size of the company providing your insurance. If your spouse works somewhere with less than 20 employees, it’s important to ask their HR representative if the insurance is creditable. If you don’t have creditable coverage, you should apply for Medicare Part A and Part B. And if you decide at any point that private insurance is not a good fit for you anymore, you can always shop for Medicare once you're eligible.Fair Square Medicare
is the place to find your best plan. For now, all you need to know is if you have creditable coverage, stick with it.Medicare
, Medicare pays secondary and is supplementing your employer insurance. For whatever healthcare costs pop up, your insurance takes the first swing, and if anything is leftover, Medicare comes in to cover the rest. Remember that Medicare will only pay for things covered by Medicare.Part A of Medicare
even if they have creditable coverage. That's because it's free (as long you or your spouse have paid 40 quarters' worth of social security taxes) to get more secondary coverage.Part D
. But as long as you have creditable coverage, you have a special enrollment period of 63 days after your coverage ends to enroll without penalty.13 Best Ways for Seniors to Stay Active in Columbus
13 Best Ways for Seniors to Stay Active in Jacksonville
13 Best Ways for Seniors to Stay Active in Philadelphia
14 Best Ways for Seniors to Stay Active in Seattle
14 Best Ways for Seniors to Stay Active in Washington, D.C.
14 Best Ways to Stay Active in Charlotte
2024 Cost of Living Adjustment
Are Medicare Advantage Plans Bad?
Building the Future of Senior Healthcare
Can Doctors Choose Not to Accept Medicare?
Can I Change My Primary Care Provider with an Advantage Plan?
Can I Laminate My Medicare Card?
Can Medicare Advantage Plans be Used Out of State?
Can Medicare Advantage Plans Deny Coverage for Pre-Existing Conditions?
Costco Pharmacy Partners with Fair Square
Do I Need Medicare If My Spouse Has Insurance?
Do I Need to Renew My Medicare?
Do You Need Books on Medicare?
Does Medicare Cover Bladder Sling Surgery?
Does Medicare Cover Boniva?
Does Medicare Cover Cala Trio?
Does Medicare Cover Cartiva Implants?
Does Medicare Cover Cold Laser Therapy (CLT)?
Does Medicare Cover ESRD Treatments?
Does Medicare Cover Hypnotherapy?
Does Medicare Cover Ilumya?
Does Medicare Cover Incontinence Supplies?
Does Medicare Cover Inspire for Sleep Apnea?
Does Medicare Cover Light Therapy for Psoriasis?
Does Medicare Cover Lipoma Removal?
Does Medicare Cover Nexavar?
Does Medicare Cover Oxybutynin?
Does Medicare Cover Physicals & Blood Work?
Does Medicare Cover PTNS?
Does Medicare Cover RSV Vaccines?
Does Medicare Cover Service Animals?
Does Medicare Cover Shock Wave Therapy for Plantar Fasciitis?
Does Medicare Cover SI Joint Fusion?
Does Medicare Cover SIBO Testing?
Does Medicare Cover Stair Lifts?
Does Medicare Cover the Urolift Procedure?
Does Medicare Cover Tymlos?
Does Medicare Have Limitations on Hospital Stays?
Does Medicare Pay for Varicose Vein Treatment?
Does Your Medicare Plan Cover B12 Shots?
Everything About Your Medicare Card + Medicare Number
Explaining IRMAA on Medicare
Fair Square Client Newsletter: AEP Edition
How Does the End of the COVID-19 Public Health Emergency Affect Your Medicare?
How is Medicare Changing in 2025?
How Much Does Medicare Part A Cost in 2025?
How Much Does Rexulti Cost with Medicare?
How Your Employer Insurance and Medicare Work Together
Is Vitrectomy Surgery Covered by Medicare?
Medicare Advantage MSA Plans
Medicare Advantage Plans for Disabled People Under 65
Medicare Consulting Services
Saving Money with Alternative Pharmacies & Discount Programs
Should You Work With A Remote Medicare Agent?
The Easiest Call You'll Ever Make
What Is a Medicare Supplement SELECT Plan?
What is the 8-Minute Rule on Medicare?
What Is the Medicare Birthday Rule in Nevada?
What People Don't Realize About Medicare
What To Do If Your Medicare Advantage Plan Is Discontinued
What to Do When Your Doctor Doesn't Take Medicare
What's the Difference Between HMO and PPO Plans?
When Can You Change Medicare Supplement Plans?
When to Choose Medicare Advantage over Medicare Supplement
Which Medigap Policies Provide Coverage for Long-Term Care?
Why You Should Keep Your Medigap Plan
Will Medicare Cover Dental Implants?
Medicare savings tips, helpful guides, and more.
Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2025 Help Button Inc
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
MULTIPLAN_FairSquareMedicare_01062022_M