Understanding Medicare

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Find out what Medicare premiums will be reimbursed to you.

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Learn when Medicare will be your primary coverage

Medicare Eligibility

Medicare eligibility begins:

  • At age 65
  • Regardless of age, after receiving Social Security Disability Insurance (SSDI benefits for 24 months)
  • Regardless of age, after completing Medicare's waiting period of up to three months due to end-stage renal disease (ESRD)
  • When receiving SSDI benefits due to amyotrophic lateral sclerosis (ALS)

Parts of Medicare

There are four parts to Medicare:

  1. Part A Hospital Coverage
  2. Part B Medical Coverage
  3. Part C Medicare Advantage Plans
  4. Part D Drug Coverage
 
Individuals enrolled in New York State Health Insurance Program (NYSHIP) retiree health insurance will have supplemental coverage including prescription drug coverage through their NYSHIP plan when Medicare coverage is required and therefore do not need to enroll in Part C and Part D plans.

Enrolling in Medicare

The Cost of Medicare

You usually don't pay a monthly premium for Medicare Part A coverage if you or your spouse paid Medicare taxes for a certain amount of time while working.

There is a monthly cost for Part B Medicare which may be adjusted based on income. Social Security determines if you are charged at a rate higher than the base rate, called Income Related Monthly Adjustment Amounts (IRMAA).

Medicare Reimbursement for Retirees

Once retired, you may receive a reimbursement for the monthly cost of Medicare Part B from the NYS Department of Civil Service, Employee Benefits Division.

  • You must be enrolled in a NYSHIP retiree plan and enrolled in Medicare as your primary coverage.
  • To receive a reimbursement for your dependent, they must be enrolled as a dependent under your NYSHIP retiree plan and enrolled in Medicare as their primary coverage.

Contact an Expert

  • avatar.

    UB HR Benefits

    State Benefit Services

    Phone: 716-645-7777

    Email: ub-hr-benefits@buffalo.edu