Will Medicare cover everything my current employer plan does?

Question

Dana Dane · Accepted Answer

In general, most people on Medicare who receive employer health insurance will delay Medicare Part B enrollment. In this case Medicare Part A (in-patient services) is billed first. I would contact your employer health insurance plan to find out what your cost sharing would be for specific services.

Answered by Dana Dane on April 3, 2025

Agent Licensed in OR, AZ, CA & 6 other states

Answered by Dana Dane Medicare Insurance Agent

Timothy Brown · Answer

That depends the on the additional coverage beyond what Original Medicare,(Red, white & blue card) offers. Medicare Advantage/Part C plans can provide coverage similar to employer plans. Medicare Supplements/Medigap plans offered more enhanced medical coverage to Original Medicare Part A & B (Doctors & hospitals) only. Additional coverage for prescription drugs, dental, vision, etc. will require separate plans.

Answered by Timothy Brown on April 8, 2025

Broker Licensed in PA, CT, DE & 15 other states

Answered by Timothy Brown Medicare Insurance Agent

Leslie Helene Sussman · Answer

Medicare may NOT cover all that your current employer plan does or has in the past. It is a great idea to always compare your current employer Health Plan to your Medicare plan options to find out what plans in your area cover.

Answered by Leslie Helene Sussman on April 7, 2025

Broker Licensed in NJ, DE, FL & PA

Answered by Leslie Helene Sussman Medicare Insurance Agent

Tasha Riggs · Answer

Generally speaking Medicare tends to cover more benefits than employer coverage. 
Even if your employer pays for your premiums the coverage when you use it , is typically far superior. The network of doctors is very very large.  I

Yasmery Vargas · Answer

No. All plans are different. Don't drop employee coverage unless you have problems with it or premium is to high.

Diana Salisbury · Answer

You can not assume that will happen.  An agent or broker will help compare plans to see what type of plan will work best for you.

Glenn Alterman · Answer

Please send me your summary of benefits and I will locate an MAPD  plan matching your work benefits. Original Medicare will not have dental and vision visits, gym memberships etc

Barbara Barnes, CMIP® · Answer

No. Medicare will cover medically-necessary health services, but that will not include dental, vision, hearing and prescription drugs that may be covered by your plan at work. Medicare is a very different form of health coverage than employer-provided group plans. Before moving into a Medicare plan, you need to understand the various parts of Medicare and the difference between Original Medicare and Medicare Advantage.

Answered by Barbara Barnes, CMIP® on April 3, 2025

Agent Licensed in PA

Answered by Barbara Barnes, CMIP® Medicare Insurance Agent

Stephen Ashford · Answer

It depends on what kind of coverage your employer's plan includes. Medicare Part A covers hospitalization costs, and Part B covers doctor visits. You will need to in a Part D to cover prescriptions and get some kind of supplemental coverage for Dental, Vision, and Hearing. Most people I work with choose to get Part C which are Medicare Advantage plans. They usually cover prescriptions, dental, vision, hearing and provide other benefits (grocery cards, social security give backs, transportation).

Answered by Stephen Ashford on May 2, 2025

Broker Licensed in NY, AR, IA & 5 other states

Answered by Stephen Ashford Medicare Insurance Agent

Will Medicare cover everything my current employer plan does?

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Will Medicare cover everything my current employer plan does?

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