Becoming eligible for Medicare is an important milestone you need to be mindful of. If you’re considering enrolling in Medicare, you’ll need to pay attention to Medicare requirements in order to apply. You can review this information on Medicare.gov.
While you and/or your spouse/domestic partner can choose to remain on an Intuit medical plan, it’s important to understand how your medical plan works if you decide to enroll in Medicare.
How Medicare impacts you and your spouse or domestic partner
If you and your spouse are both 65+
If you continue medical coverage under Intuit, Medicare pays secondary benefits to both you and your spouse. You’re not required to enroll in Medicare at age 65 because you already have employer-provided coverage in place. The Intuit plan pays primary benefits.
If you’re under 65 and your spouse is 65+
If you continue medical coverage under Intuit and your spouse is 65+, your spouse is not required to enroll in Medicare because he/she is already covered as a dependent under an employer-sponsored plan. The Intuit plan pays primary benefits for the 65+ spouse.
If you’re under 65 or 65+, and your domestic partner Is 65+
If you continue medical coverage under Intuit, Medicare pays primary benefits for your domestic partner. The Intuit plan pays secondary benefits regardless of whether your domestic partner enrolls in Medicare. This means that the Intuit medical plan will only pay secondary benefits after what Medicare would pay, regardless of whether your domestic partner is enrolled in Medicare. It’s highly recommended that your domestic partner enroll in Medicare upon eligibility so he/she receives the maximum coverage under both Medicare and the Intuit plan.
If you and your domestic partner are both under 65
There’s no Medicare impact. The Intuit plan pays primary benefits for both of you.
If you’re 65+ and your domestic partner is under 65
If you continue medical coverage under Intuit, Medicare pays secondary benefits for you. The Intuit plan pays primary benefits. For your domestic partner, the Intuit plan continues to pay primary benefits. Your domestic partner should consider enrolling in Medicare Part B once they become eligible.
How Medicare impacts your HSA
At age 65+, you’re eligible for Medicare. If you’re enrolled in any part of Medicare, you can no longer contribute to a Health Savings Account (HSA). Both your and Intuit’s contributions stop. You can continue to use the funds in your HSA toward Medicare payments and other qualified out-of-pocket health care expenses.
If you’re enrolled in the Cigna Choice Fund with HSA medical plan and you enroll in Medicare, you must call My Benefits at 800-381-8881 to notify them of your Medicare enrollment. You can remain enrolled in the Cigna Choice plan or, because enrolling in Medicare is considered a qualifying event, you can change your Intuit medical plan provider. If you’re not enrolling in Medicare, no action is needed.