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I have a referral who I'll be speaking with tomorrow:
Client who is enrolled in a GHP is voluntarily leaving their job at the end of the month, therefore will not be eligible for subsidized COBRA.
The spouse who also is on the group plan is under 65, on SSDI and enrolled in Part A. A lot of health issues here.
I was told they want an ACA plan for three months, as COBRA will be too expensive until the new job's GHP kicks in. But you can't get a subsidized ACA plan once enrolled in Medicare Part A or B.
My thought is to recommend paying COBRA for the three months, due to this and the deductible won't carry over to an ACA plan.
I'll also ask the client to possibly do a review for the spouse to see if it makes more sense to enroll in Part B instead of the new group plan.
Client who is enrolled in a GHP is voluntarily leaving their job at the end of the month, therefore will not be eligible for subsidized COBRA.
The spouse who also is on the group plan is under 65, on SSDI and enrolled in Part A. A lot of health issues here.
I was told they want an ACA plan for three months, as COBRA will be too expensive until the new job's GHP kicks in. But you can't get a subsidized ACA plan once enrolled in Medicare Part A or B.
My thought is to recommend paying COBRA for the three months, due to this and the deductible won't carry over to an ACA plan.
I'll also ask the client to possibly do a review for the spouse to see if it makes more sense to enroll in Part B instead of the new group plan.