Medicare Eligibility and your LAUSD District-Sponsored Medical Coverage
LAUSD District-sponsored retiree medical coverage requires that after you and/or your spouse/domestic partner become eligible for Medicare for any reason, you must enroll and remain enrolled in Medicare Parts A and B. It is recommended that you apply for Medicare 90 days prior to your 65th birthday;
Eligibility for Medicare is considered a major – qualifying life event, therefore you are eligible to change plans. However, you must send a written request to Benefits Administration for your plan change 30 days before you become eligible for Medicare. Lack of Medicare coverage will not affect your dental or vision benefits.
The main parts of Medicare
Medicare Part A
All retirees/spouses/domestic partners must enroll and remain enrolled in Medicare Part A premium free, if eligible.
***I’m having trouble confirming if LAUSD employment counts. Please provide a citation.
To be eligible for Part A premium free, an individual must have 40 quarters of Medicare-covered employment. That is, earnings where you and/or the employer paid into Social Security – Medicare other than LAUSD which apparently doesn’t. These earnings can be based on your own earnings or the earnings of a spouse or former spouse. Set up an ONLINE account with Social Security & Medicare.
If you are not eligible for Medicare Part A Hospital premium free, to continue your District benefits you must provide to LAUSD Benefits Administration a confirmation letter of ineligibility from the Centers of Medicare and Medicaid Services (CMS). If you are not eligible for Free Part A, you will only be eligible to enroll in Kaiser Senior Advantage or Anthem Blue Cross EPO plan.
It’s my understanding, you can simply enroll using the above link. If you are not eligible for FREE Part A, Medicare will let you know.
Health Net Seniority Plus and UnitedHealthcare® Group Medicare Advantage (HMO) plans require eligibility and enrollment in Medicare Parts A and B.
Medicare Part B
All retirees/spouses/domestic partners must enroll and remain enrolled in Medicare Part B $144/month premium and remit the applicable premium to Social Security in order to maintain District-sponsored medical benefits. If you don’t enroll or you stop paying for your Medicare Part B premium at any time for yourself and/or your spouse/domestic partner, your District sponsored medical benefits will terminate.
The Medicare Prescription Drug Plan (PDP), also known as Medicare Part D, became available January 1, 2006. Although you have the option of enrolling in a Medicare PDP, in most cases these plans will not provide you with any additional advantages. The LAUSD prescription drug plan is at least as good as the standard Medicare Part D benefit for most Medicare-eligible participants. LAUSD will continue to provide your current prescription drug coverage through Kaiser Senior Advantage, UnitedHealthcare® Group Medicare Advantage (HMO), Health Net Seniority Plus, or SilverScript® , a CVS/Caremark company the prescription drug provider for the Anthem Blue Cross EPO and HMO plans.
If you elect to enroll in a PDP outside your current District-sponsored plan, the District will cancel your medical and prescription coverage. LAUSD *
Power of Tax Deferral -
from North American Brochure
Please mail/fax copies of Medicare cards and letters to LAUSD Benefits Administration at the address listed on page 24 and include retiree’s name, employee ID, or Social Security number on all correspondence.
All retirees/spouses/domestic partners age 75 and older as of January 1, 2010 (retirees born prior to January 1, 1935), were grandfathered-in at their current Medicare Parts A and B enrollment levels. All other retirees/spouses/domestic partners must comply with all District Medicare Parts A, B, & D requirements as listed below.
Medicare #Enrolling in Parts A & B # 11036
Our Webpage on Enrolling in Medicare A & B
- Part A Hospital rules for zero premium
- Part B – Doctors – How to sign up – Benefits
Insurance Companies get a fee from the Federal Government, when you enroll in an MAPD plan.
That's why the premium is very low or ZERO!