Need Advice: Medicare and Marketplace/Employer Insurance with Disability

Hi all,

38M, Florida, $115,000

I recently qualified for disability and now receive a monthly check. As part of this, I automatically got Medicare (even though I didn’t sign up for it), but I also currently have a BCBS marketplace plan as supplemental insurance. Managing two insurances has been a hassle, and I’m running into issues with claims that used to be covered 100% by BCBS but now have to go through Medicare first.

I have a few questions:

BCBS Marketplace Plan: I’ve read that I can keep my BCBS marketplace plan as long as I don’t use any tax credits. Is this correct?

Avoiding Medicare Late Penalties: I want to avoid late penalties for Medicare Parts B and D. If I have medical and prescription coverage through another insurance plan, will Medicare costs stay the same even if I wait to enroll?

Medicare A: Can I completely cancel Medicare (including Part A), keep my disability benefits, and then sign up for Medicare A, B, and D later when I need to?

Employer Insurance Alternative: If keeping my marketplace plan isn’t an option, could I avoid these issues by switching to my wife’s employer’s BCBS plan instead?

Any advice or guidance on navigating this would be greatly appreciated!