Many employees choose to continue their enrollment in their Employer health insurance plan after age 65. This article will explain how to enter your health insurance expenses in the Planner under the two most common choices.


CHOICE 1 If you intend to continue your enrollment in your employer health insurance plan and also enroll in Medicare Part B, we recommend the following:

Step 1: Go to MyPlan > Expenses and Health Care > Medicare.

Step 2: Do not select “Employer Sponsored Healthcare.” This option delays Medicare and eliminates the Medicare premiums until the employer sponsored end date.

Step 3: Select the Medicare Estimator and choose the least expensive Medicare option, which is Medicare Advantage.

Step 4: Navigate up to your Expenses.

Step 5: Include your annual employer health insurance premiums in your recurring expenses.

Step 6: If you’ll receive a Medicare Reimbursement Amount from your insurance provider, you may wish to adjust for that as well.


CHOICE 2 If you intend to work past 65 or have creditable coverage, and do not intend to enroll in Medicare Part B, C, or D, we recommend the following. This option delays Medicare and eliminates the Medicare premiums until the employer sponsored end date. It is the best way to model enrolling in Medicare Part A only.

Step 1: Go to My Plan > Expenses and Health Care > Medicare.

Step 2: Open the Medicare Expenses (65 through longevity) section.

Step 3: Enable the Estimator (if not already enabled).

Step 4: Press ✎ (pencil) to edit your Medicare selection.

Step 5: Press on "Add employer sponsored Medicare coverage +"

Step 6: Enter your annual out-of-pocket costs and the age these costs will end

Step 8: Make sure to press Save.

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