As a Medicare beneficiary, you cannot add a spouse to your Medicare benefits or the Medicare advantage plan policy. Medicare benefits are only for qualified people. Medicare advantage plan policies (also referred to as Advantage plan) are offered by private insurance companies and, along with Medicare Part A and Part B, work together to pay part of the costs of care medical Medicare does not pay, such as co payments, co insurance and deductibles.
Can I buy a Medicare advantage plan policy for my spouse if I buy one?
Medicare advantage planal policies are available at private insurance companies. Each policy is for one person and does not cover a spouse. Here is some information about Medicare advantage planal insurance.
First, let’s talk about basic rights. To purchase a Medicare advantage plan policy, you must be qualified for Medicare insurance, have been in the United States for at least 5 consecutive years, or have permanent legal residence in the United States and be 65 years years of age or (in some states) ) have a disability or health status that entitles you to receive Medicare benefits. You must also be logged into Medicare Part A and B.
But even if you and your spouse meet these requirements, there is no guarantee that you can buy Medicare advantage plan policies. Although you can request a Medicare advantage plan policy at any time, there are only certain situations in which the issuance of an acceptable policy is guaranteed. In general, you have a guaranteed problem if you apply for the Medicare advantage plan during your open enrollment period, which begins at age 65 years and is enrolled in Medicare Part B and lasts 6 months.
You can request a Medicare advantageplanal policy from any insurance company licensed in your state to sell one.Keep in mind that you must continue to pay your Medicare Part B premium alongwith your Medicare advantage planal premium. If you choose a separate MedicarePart D prescription drug policy, you will probably pay a separate premium forthis prescription drug insurance (except you are eligible for “extrahelp”). A Medicare prescription drug policy is an important consideration because Medicare Part A and B policies, as well as Medicare Advantage plan policies, sold after 1st January, 2006, does not cover prescription drugs in most Medicare prescription drug policies.
What happens if I have Medicare insurance and my spouse does not qualify for Medicare?
The right to Medicare is determined individually and is not affected by marital status. Even if you may be eligible for Medicare, your spouse must qualify for Medicare to enjoy Medicare benefits.
Choices for your spouse’s health insurance depend on personal circumstances, such as:
If your spouse has a job, he or she can get health insurance through a group health policy sponsored by the union or employer. Alternatively, military professionals generally have Tricare health services available, and employees of the federal government often have the opportunity to receive health benefits through the Federal Employees Health Benefits Program (FEHB).