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MA Municipal Medicare Eligible Guidelines

Actively working employees:

If your employee is age 65/ over or

if your employee is under age 65 with a spouse age 65 / over or

if your employee is age 65/older with disabled dependent under age 65 or

if your employee is age 65/older with a spouse age 65/over or

if your employee is age 65/older with a spouse under age 65

They all remain on an active plan. Do not enroll them in Medicare Plans with the town

RETIRED EMPLOYEE :

Retiree is Medicare eligible with Medicare A and B: Medicare plan

Retiree is Medicare eligible with a spouse not eligible for Medicare Medicare plan with spouse on

on individual active plan

Retiree is Medicare eligible with a Medicare eligible disabled spouse: Both on Medicare plans

Retiree is Medicare eligible with spouse that is Medicare eligible: Both on Medicare plans

Retiree is not Medicare eligible with a Medicare eligible spouse: Retiree on individual active plan and

spouse enrolls in a Medicare Plan

Retiree is Medicare eligible with a spouse and dependent child(ren). Can remain on family plan

Retiree is under age 65 with a Medicare eligible spouse and child(ren) Can remain on family plan

Medicare eligible disabled dependent children are also eligible for a Medicare plan if your employee is retired.

If retiree is on a family plan with more than 2 members and not all of them are eligible for Medicare, they can stay on a family plan.

However, the Medicare eligible members must enroll in Parts A and B of Medicare.

The MOST important thing to remember is that everything is based on your employee/retiree.

If your employee is actively working – no matter what the circumstance, no one is eligible for Medicare plans with the town/school.

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