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NC DOI »   Consumers »   Medicare and Seniors' Health Insurance Information Program (SHIIP) »   Employer Group Health Insurance for Retirees

Employer Group Health Plan Insurance

Do you have retiree Employer Group Health Plan Insurance (EGHP) that will continue beyond your 65th birthday?

If your retiree employer group health insurance plan (EGHP) coverage includes prescription drug coverage that is as good as or better than Medicare Part D plan, you just need to enroll in Medicare Parts A and B prior to your 65th birthday. If your EGHP does not include prescription drug coverage, you will need to enroll in a Medicare Part D plan.

I have employer coverage

Even if you have coverage through a current or former employer, you still may need to make some important Medicare enrollment decisions.

It’s important to understand how your current coverage works with Medicare before making any decisions. If you have questions about your current insurance, the best source of information is your benefits administrator, insurer, or plan provider.

  • If you have access to TRICARE benefits, all you need is to enroll in Medicare Part A and Part B.
  • Certain federal employees who worked as civil servants or mail handlers do not need Medicare Part B. Check with your human resources representative to see if this applies to you (OPM).
  • If you have Railroad Retirement benefits, you should contact the Railroad Board.
  • If you have access to benefits through the Veterans Administration, you may not need any Medicare supplement or Medicare Part D insurance.
  • If you are retired and have access to the North Carolina State Health Plan, you need to enroll in Medicare Part A and Part B.
  • If you are still working for the state at age 65, you only need to enroll in Medicare Part A until you are ready to retire when you will enroll in Part B.

NC State Health Plan

If you are a member of the NC State Health Plan with Medicare, the links below provide information  and available options for coverage.

  • State Health Plans Comparisons 2022
  • State Health Plan and Medicare 2022
  • NC State Health Plan - Coverage for At-Home COVID-19 Rapid Tests

Files

cobra-coverage-and-medicare-4-17.pdf

cobra coverage and medicare 4 17

PDF • 170.02 KB - November 05, 2020

State Health Plan and Medicare - 2022.pdf

State Health Plan and Medicare FAQ

PDF • 198.69 KB - October 12, 2021
SHIIP

State Health Plans Comparisons 2022.pdf

NC State Health Plans Comparisons 2022

PDF • 132.38 KB - October 12, 2021
SHIIP

NC State Health Plan - Coverage for At-Home Covid-19 Rapid Tests.pdf

PDF • 303.82 KB - February 02, 2022

Medicare and Seniors' Health Insurance Information Program (SHIIP)

  • New to Medicare?
  • Basics of Medicare - Parts A, B, C, & D
  • Get Help Paying Your Medicare Costs
  • Medicare Supplement Plans
  • Medicare Advantage-Medicare Health Plans
  • Medicare Prescription Drug Plan (Part D)
    • Low-Income Subsidy for Part D
  • Contact Seniorsʼ Health Insurance Information Program (SHIIP)
  • Medicare Disability
  • Employer Group Health Insurance for Retirees
  • Become a SHIIP Volunteer
  • Long Term Care Information
  • Senior Medicare Patrol Program
  • SHIIP Additional Resources

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https://www.ncdoi.gov/consumers/medicare-and-seniors-health-insurance-information-program-shiip/employer-group-health-plan-insurance