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Answers are provided by Robert S. Kaufman
Problem with Employer Health Insurance
(Posted November 2, 2014)
Question 1211: I am on a railroad Occupational Disability and turned down Medicare Part B because the railroad has allowed me to stay on its health care plan. Now I'm being told from the health insurance company that because I did not take Medicare Part B, they are going to treat future claims as if I did have Medicare Part B, and says they will become the secondary payee. Is this something that insurance company can do? The insurance company has been paying as the primary until now.
Group health insurance isn't part of Railroad Retirement, so I am unable to comment on it. It appears that your employer did not tell you what the impact be on your group insurance if you declined Medicare Part B.
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