KENTU CKY TEACHERS’ RETIREMENT SYSTEM 479 Versailles Rd, Frankfort, KY 40601-3800
Medicare Eligible Health Plan (MEHP) Enrollment
RE: KTRS Retiree/Spouse Turning Age 65
Our records indicate that you will be turning 65 in the next several months. As of the first day of the month that you reach your 65th birthday you will no longer be eligible for the Kentucky Employees Health Plan and you must obtain Medicare to continue coverage through KTRS.
Contact Social Security to enroll in Medicare approximately three months before your birth month. You must enroll in any part of Medicare for which you are eligible (except Part D), complete the enclosed Medicare Information Form, attach a copy of your Medicare card, and submit it to this office for your KTRS medical coverage to be effective. Upon receipt of the completed Medicare Information Form, KTRS will automatically enroll you in the KTRS Medicare Eligible Health Plan (MEHP) on the first day of your birth month. If you wish not to be enrolled, you must notify this office in writing by the 10th of the month prior to your birth month to decline the coverage.
ENROLLING IN MEDICARE - Medicare is composed of several parts. Part A is hospitalizationbenefits, Part B is medical benefits and Part D is prescription drug benefits.
Part A - Most people automatically get Part A coverage without having to pay a monthly premium to Social Security. This is because they or a spouse paid Medicare taxes while working. If you don’t automatically get Part A at no cost, you are not required to purchase it and the plan will pay as Medicare would have on Part A expenses, excluding deductibles and copayments.
Part B - All retirees/spouses must enroll in Part B and pay the required monthly premium to Social Security. If you fail to enroll in Part B or your Part B lapses due to nonpayment of premiums, you will be responsible for the cost of any Part B claims. Also, in some cases, your Part B premium could be higher if you fail to enroll when you first become eligible. The 2008 Part B premium to be paid to Social Security is $96.40.
Part D – The Medicare Prescription Drug Plan is prescription coverage offered by private companies approved by Medicare. Most KTRS retirees/spouses will find it financially beneficial not to enroll in a Medicare Part D Prescription Drug Plan because the KTRS prescription drug plan is on average as good as or better than standard Medicare prescription drug coverage. However, low-income Medicare beneficiaries, or those with both Medicaid and Medicare should contact Social Security to determine if it is in their best financial interest to enroll in Medicare Part D and waive the KTRS prescription plan. If enrolled in Medicare Part D, you will not be eligible for the KTRS prescription drug coverage. Medical coverage can remain intact for anyone enrolled in Medicare Part D.
You can obtain additional information by contacting Social Security at 1-800-772-1213, Medicare at 1-800-633- 4227, or visiting www.medicare.gov on the web.