Do both spouses need to submit Form CMS-L564 to prove coverage through one spouse’s employer?

Answered by 4 licensed agents

Yes, If both spouses are enrolling in Medicare using coverage from one spouse's current employer, each spouse must submit their own Form CMS-L564.

This is because Medicare requires proof of coverage for each individual's enrollment, even if both were covered under the same employer health plan.

Answered by Angelina Giambri on July 31, 2026

Agent Licensed in FL & OH

Answered by Angelina Giambri Medicare Insurance Agent

No. Both spouses do not automatically need to submit Form CMS-L564. The form is used for the individual who is applying for Medicare Part B during a Special Enrollment Period (SEP) to prove they had qualifying employer group health coverage after turning 65 (or during their Part B enrollment delay).

Answered by Renee Silver on July 31, 2026

Broker Licensed in NC & SC

Answered by Renee Silver Medicare Insurance Agent

Yes, both spouses need to submit separate forms, if they are applying for Medicare Part B. Medicare is separate and you will need to do separate applications for essentially everything.

Answered by Kristina Guerry on July 31, 2026

Broker Licensed in SC, AL, AR & 45 other states

Answered by Kristina Guerry Medicare Insurance Agent

Yes, both should submit the form if they are both applying for Medicare. With the length of time it can take for Mediare to process enrollments, I wouldn't try to shortcut the process.

Answered by Chris Smith on August 1, 2026

Agent Licensed in MS, AL, GA & 7 other states

Answered by Chris Smith Medicare Insurance Agent

Tags: Advice for Seniors Coverage The Medicare System

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Do both spouses need to submit Form CMS-L564 to prove coverage through one spouse’s employer?

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Do both spouses need to submit Form CMS-L564 to prove coverage through one spouse’s employer?

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