Here’s a Medicare question for retirees receiving SS.
Can one replace Medicare w/private insurance or is one forced to pay for Medicare?
Googling, I come up with different answers to such a simple question.
Medicare is forced on those who turn 65.
Medicare part A (hospitalization) is automatic when you turn 65. Medicare part B is optional and if you have the right kind of medical insurance there is no penalty for not enrolling in part B—but if you have the wrong insurance or no insurance you will pay a lifetime monthly penalty based on how long you delayed joining.
The place to get answers is at the Social Security office. In my experience asking over the phone is just an exercise in frustration.
All that said, I kept working after turning 65 and found that Medicare A + B+ supplemental + Drug plan was a lot cheaper and gave much better coverage than my employer’s plan.
But before you decide, check with Social Security to make sure. HTH
“””Can one replace Medicare w/private insurance or is one forced to pay for Medicare?””
from my understanding...........you have to opt-in.....there is a part A.....and a part B (billed out separately depending on plan you pick on B) both are paid monthly as for as I know.....but I could be wrong