I am discussing a situation for a elderly family member.
She left USA in May 2019 and requested withdrawal her medicare application. Somehow that request was not honored instead they partially dis-enrolled her. Only part A was dis-enrolled ..part B is still continuous and medicare is asking her to pay premium until Nov. 30 2019. She is planning to send a letter to SSA to dis-enroll from part B as well as part D.(envision rx plus)
Question is...if she decides to come back to USA after lets say 3 months from now ..can she enroll again under special enrollment clause? (Becuase she is returning to USA from other country) is this a valid reason for enrollment under speical enrollment?
If not when can she get enrolled in medicare again....(ofcourse after returning to USA)
To give you a simple answer - most likely she will have to pay a Part B premium penalty if she cancels it and then moves back.
I will try to help you with your question in more detail but I am going to have to make some assumptions -
- I will assume that when she signed up initially that she was at the age and under the conditions where she was suppose to sign up. IOW, she was 65 years of age and did not have employer / union coverage still or staying in affect.
- I will also assume that she worked long enough and paid into the Medicare Part A system long enough so that her Part A was to be received premium free.
- Since she may or may not come back here - this may or may not be considered as travel rather than a move.
- I am also assuming that US Medicare is her primary system of benefits and that she does not have dual citizenship somewhere else where she maybe eligible for the other country's system.
Wish she had just kept her Part A coverage since for most people this coverage is premium free - if vested in the program by years of working under the system.
Now to give you some details:
To dis-enroll in Medicare Part B once enrolled takes an interview and a specific paperwork completion - they do this for a purpose - to make sure you know what you are doing and any possible consequences.
SSA: FAQ - How do I terminate my Medicare Part B (medical insurance)?
There are certain times when traveling when Part B can be used.
Medicare.gov - Travel Medical Coverage
There may be even instances where Medigap coverage can be used while traveling.
Medicare.gov - Medigap and Travel
If you do so and do not have a specific good (sanctioned) reason (meaning that perhaps you have or are getting coverage through your employer if you are going back to work or have some other type of sanctioned / approved / credible coverage as determined by SSA).
Once Part B and Part D is cancelled and she decides to come back and reinstate them - most likely she will have to pay the premium penalty for at least Part B -
Medicare.gov - Part B late enrollment penalty
Medicare.gov - Part D late enrollment penalty
She may or may not be assessed a Part D late enrollment period - reason being is the "SEP".
Medicare.gov - Special Circumstances (Special Enrollment Periods)
Please notice carefully how these Special Circumstances are worded:
You can make changes to your Medicare Advantage and Medicare prescription drug coverage when certain events happen in your life, like if you move or you lose other insurance coverage. These chances to make changes are called Special Enrollment Periods (SEPs). Rules about when you can make changes and the type of changes you can make are different for each SEP.
I moved back to the U.S. after living outside the country.
What can I do?
Join a Medicare Advantage Plan or Medicare Prescription Drug Plan.
Your chance to join lasts for 2 full months after the month you move back to the U.S.
If she decides to come back and opts for original Medicare (as opposed to a Medicare Advantage plan) and she wants a Medigap plan to help with her medical cost under original Medicare, she may not be able to get a Medigap plan or if she does, it could be very expensive depending upon her health / age / geographical location.
Everybody pays a Part B premium regardless of whether or not they choose to have original Medicare or a Medicare Advantage Plan - so most likely she will definitely have to pay a penalty for this Part B coverage when and if she returns after it has been cancelled.
Seems her main decision is to decide where she wants her retirement roots to be -
It's Always Something . . . . Roseanna Roseannadanna