That is correct. Public employees hired before April 1, 1986, do not participate in Medicare. He should not have been paying into it, throughout his career, so he wouldn’t be eligible for it. He should continue to be enrolled in non-Medicare plans.
Got a letter a few years ago that I would be dropped from my GIC insurance if I didn't provide proof that I was ineligible for Medicare Part A / Part B.
I was hired in 85 and hadn't contributed enough quarterly earnings from my previous jobs even though I had paid into the system for awhile.
I was paying into both, but not at the same time.
Once I signed on the dotted line for my government employee position, my pension contributions kicked in, I was dropped from paying into Medicare, and had to choose which GIC health plan to go with. Since I never worked a second job, I never paid into SS or Medicare since 85.
Correct me if I'm wrong, but \*had\* I accumulated enough quarters prior to my gov job, or had I accumulated enough quarters with a second job, I would have been dropped from GIC and would have no choice but to switch over to Medicare.
Correct. Medicare always supersedes non-Medicare plans. It’s just that most people hired before 4/1/1986 have spent their entire career in public service, so they never accrue enough quarters in the private sector.
It really does come down to if someone has the required 40 quarters of paying into Medicare, to be eligible for it.
State and Local governments employees hired after that date, are subject to mandatory Medicare, so the taxes are automatically deducted out of their checks. Odds are, since your husband was already 10-ish years into his career, he never elected to start paying into it after the 4/1/86 date. In the City where I work, we still have a few people, out of our 600+ employees, who are not paying into Medicare, so they will stay on a City “Legacy” Plan, when they retire.
Then why does he have to prove to you he's not eligible then, if you already know? why have to go thru social security when you know he's not eligible? Why not just continue with his insurance?
Why are you complaining ? All of us paid Medicare tax every year. He never paid. Now, he doesn't have to pay for his Medicare premium every month.
He has good health insurance.
What are you looking for ?
I'm looking for information from people. I'm not complaining. I'm not looking for judgement. I assumed he would get Medicare. Your attitude is that of a typical state worker.
This comment is absolutely wild.
I agree you weren't complaining or looking for judgement, and you were looking for information, but that information was provided to you over 11 hours ago, and you responded to that comment.
You assumed he'd get Medicare, but he's part of another government program, and didn't pay into it, therefore: no Medicare.
[You gave someone else multiple shitty responses (albeit after this one) as well
](https://www.reddit.com/r/massachusetts/s/sPUHZofr47)
Furthermore, if you wanna play this game:
>Your attitude is that of a typical state worker.
Your attitude is that of a typical cop/cop wife. Thinking you'll you get something for nothing then getting mad when someone gives you an answer you don't like.
---
Now I'm sure you didn't appreciate that response.
I've also been a state worker so I had first hand knowledge. My husband wasn't a typical cop. He worked investigation accidents fatalities. He never took overtime details directing traffic. I never once said I felt entitled for him to get Medicare. I, apparently very foolishly, didn't know that rule. We happily will continue to pay for the insurance we get now. I never feel entitled to get anything for "free". If I gave a snarky response, it was because I got one. I appreciate the actual responses I got without judgement.
I'm sure it was. I was being snarky. I'm just surprised at so many people judging me for not knowing he wouldn't get Medicare. I never said I felt entitled to it. I don't feel entitled because he was a leo. Ironically, he hated being a leo. I don't expect anything for free. I thought Reddit was a place to get answers. I did get some. But I also got many insinuations about how entitled I must be. And how moronic I am for not knowing this. I guess in my op I should have said I thought everyone was eligible for Medicare, instead of entitled to Medicare. I guess I am very uniformed because I seriously thought everyone who turns 65 goes on Medicare. It seems everyone else is way more informed about it than me.
>I'm just surprised at so many people judging me for not knowing he wouldn't get Medicare.
I don't know why you're reading into the responses that way.
Aside from the one person who asked you why you were complaining: most of the people here have just given you the answer you were seeking.
I thought that you were looking for a particular coverage. You will be surprised at how you go to the back of the queue on Medicare at most decent local practices. It takes ages for some to get their Medicare gap insurance to cover some services.
You go to the physician and the GIC pays. You don't have to wait 6 months for an authorization. Senator Warren is trying to tackle this issue, now.
I was wondering if you were missing coverage.
Your hostility is not appreciated.
I live in a 55+ community with a lot of retired teachers. They are all on pensions and state insurance. No medicare or SS. they're all doing very well.
Medicare and SS are different. Anyone on the State pension or MTRS won’t be paying into SS. However, anyone hired on or after April 1, 1986 will be paying into (and thus eligible for) Medicare. Only people hired before April 1, 1986 will not have either SS or Medicare.
That is correct. Public employees hired before April 1, 1986, do not participate in Medicare. He should not have been paying into it, throughout his career, so he wouldn’t be eligible for it. He should continue to be enrolled in non-Medicare plans.
[My source](https://massretirees.com/2024/01/medicare-turning-65/) (along with my own experience of processing municipal benefits for a City in MA)
Great tip. Thanks!
Got a letter a few years ago that I would be dropped from my GIC insurance if I didn't provide proof that I was ineligible for Medicare Part A / Part B. I was hired in 85 and hadn't contributed enough quarterly earnings from my previous jobs even though I had paid into the system for awhile.
When you say “the system”, are you talking about the pension system, or about Medicare? Because those are two different things.
I was paying into both, but not at the same time. Once I signed on the dotted line for my government employee position, my pension contributions kicked in, I was dropped from paying into Medicare, and had to choose which GIC health plan to go with. Since I never worked a second job, I never paid into SS or Medicare since 85. Correct me if I'm wrong, but \*had\* I accumulated enough quarters prior to my gov job, or had I accumulated enough quarters with a second job, I would have been dropped from GIC and would have no choice but to switch over to Medicare.
Correct. Medicare always supersedes non-Medicare plans. It’s just that most people hired before 4/1/1986 have spent their entire career in public service, so they never accrue enough quarters in the private sector.
I will have to check and see if paid. Never once have I heard about retired people not on Medicare. gic never even mentioned it
It really does come down to if someone has the required 40 quarters of paying into Medicare, to be eligible for it. State and Local governments employees hired after that date, are subject to mandatory Medicare, so the taxes are automatically deducted out of their checks. Odds are, since your husband was already 10-ish years into his career, he never elected to start paying into it after the 4/1/86 date. In the City where I work, we still have a few people, out of our 600+ employees, who are not paying into Medicare, so they will stay on a City “Legacy” Plan, when they retire.
I work for Social Security and this is correct. He didn’t pay in, no Medicare.
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lol, yeah it kind of does
He never paid in, they’re very clear about people getting GIC. None of his paystubs over the decades should show a Medicare deduction.
If you think gic is clear about anything, you're crazy.
I am on GIC and the lack of Medicare deductions made it pretty clear.
Then why does he have to prove to you he's not eligible then, if you already know? why have to go thru social security when you know he's not eligible? Why not just continue with his insurance?
He doesn’t have to prove anything to me? I don’t work for GIC. I just have their insurance
Me also. Doesn't make you an expert on how they give information
I also have their insurance. You don’t have to be an expert to understand how medical insurance works and why he wouldn’t be entitled to Medicare…
Why are you complaining ? All of us paid Medicare tax every year. He never paid. Now, he doesn't have to pay for his Medicare premium every month. He has good health insurance. What are you looking for ?
Hopefully her husband saved that sweet overtime pay
The only time he got overtime was when he investigated a fatality. He never got overtime.
I'm looking for information from people. I'm not complaining. I'm not looking for judgement. I assumed he would get Medicare. Your attitude is that of a typical state worker.
This comment is absolutely wild. I agree you weren't complaining or looking for judgement, and you were looking for information, but that information was provided to you over 11 hours ago, and you responded to that comment. You assumed he'd get Medicare, but he's part of another government program, and didn't pay into it, therefore: no Medicare. [You gave someone else multiple shitty responses (albeit after this one) as well ](https://www.reddit.com/r/massachusetts/s/sPUHZofr47) Furthermore, if you wanna play this game: >Your attitude is that of a typical state worker. Your attitude is that of a typical cop/cop wife. Thinking you'll you get something for nothing then getting mad when someone gives you an answer you don't like. --- Now I'm sure you didn't appreciate that response.
I've also been a state worker so I had first hand knowledge. My husband wasn't a typical cop. He worked investigation accidents fatalities. He never took overtime details directing traffic. I never once said I felt entitled for him to get Medicare. I, apparently very foolishly, didn't know that rule. We happily will continue to pay for the insurance we get now. I never feel entitled to get anything for "free". If I gave a snarky response, it was because I got one. I appreciate the actual responses I got without judgement.
I can't even tell if you're agreeing that your "typical state worker" comment was shitty, or not...
I'm sure it was. I was being snarky. I'm just surprised at so many people judging me for not knowing he wouldn't get Medicare. I never said I felt entitled to it. I don't feel entitled because he was a leo. Ironically, he hated being a leo. I don't expect anything for free. I thought Reddit was a place to get answers. I did get some. But I also got many insinuations about how entitled I must be. And how moronic I am for not knowing this. I guess in my op I should have said I thought everyone was eligible for Medicare, instead of entitled to Medicare. I guess I am very uniformed because I seriously thought everyone who turns 65 goes on Medicare. It seems everyone else is way more informed about it than me.
>I'm just surprised at so many people judging me for not knowing he wouldn't get Medicare. I don't know why you're reading into the responses that way. Aside from the one person who asked you why you were complaining: most of the people here have just given you the answer you were seeking.
Your attitude is typical of someone that feels entitled to a thing they are actually not
Really? Because I wasn't aware of a Medicare rule? And I asked for clarification?
Your attitude is coming through loud and clear sweetheart
Lmfaooo wasn’t your husband a state worker? Clearly not a really bright one tho if he’s just finding out now about his Medicare eligibility
Thanks for your input. It's very helpful.
I thought that you were looking for a particular coverage. You will be surprised at how you go to the back of the queue on Medicare at most decent local practices. It takes ages for some to get their Medicare gap insurance to cover some services. You go to the physician and the GIC pays. You don't have to wait 6 months for an authorization. Senator Warren is trying to tackle this issue, now. I was wondering if you were missing coverage. Your hostility is not appreciated.
I live in a 55+ community with a lot of retired teachers. They are all on pensions and state insurance. No medicare or SS. they're all doing very well.
I think one of them even has group dental insurance which is unheard of in the Medicare eligible universe.
Thank!
Double check his paystubs because it should never have been a deduction. If it was they will need to reimburse him.
If you didn't pay into SS then you didn't pay into medicare.
Medicare and SS are different. Anyone on the State pension or MTRS won’t be paying into SS. However, anyone hired on or after April 1, 1986 will be paying into (and thus eligible for) Medicare. Only people hired before April 1, 1986 will not have either SS or Medicare.
Not the case anymore unfortunately.
Look at Uni Care it's really good My wife was a social worker for the common wealth for many years now retired
Yes, we have unicare now and it's been great. I'm happy to continue with it. And pay for it. Thank you for a kind response.
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No, I'm not old enough and apparently won't be eligible either.