Your coverage options
If you become eligible for Medicare while working at Frontdoor, you may be able to continue your Frontdoor medical coverage, enroll in Medicare or have both.
Before making a decision, consider:
- Whether you plan to continue working and remain enrolled in a Frontdoor medical plan
- Which parts of Medicare you want or need to enroll in
- How Medicare enrollment could affect your ability to contribute to an
- The enrollment deadlines that apply to your situation
If you enroll in Medicare, you can make changes to your Frontdoor coverage within 45 days after turning 65 years old.
Understanding Medicare and your Frontdoor coverage
If you’re still working
- You can have both Medicare and Frontdoor medical coverage. If you choose both, the Frontdoor plan pays for your services first and Medicare pays second.
- If you want to delay your Medicare enrollment and keep your Frontdoor medical plan, you do not need to notify Frontdoor or the Social Security Administration.
- Keep in mind, if you start receiving Social Security benefits while you’re still working, you may be automatically enrolled in Medicare Part A.
After you stop working
- You have eight months to enroll in Medicare Part B coverage.
- You should enroll in Part B when your active Frontdoor coverage ends. If you don’t enroll in Part B by the deadline, you may face a lifetime penalty added to your Part B premium and a gap in your coverage.
If you have an HSA
- You can spend your tax-free HSA dollars on eligible expenses when you are enrolled in Medicare.
- You must stop contributing to your HSA once you’re enrolled in any part of Medicare (A, B, C or D). If you continue to contribute, you may have to pay taxes and penalties.
- Eligibility for Medicare does not affect your ability to make contributions — only enrollment does.
- There is a six-month lookback rule. If you enroll in Medicare after age 65, Medicare Part A coverage can be retroactive for up to six months. This means you may need to stop making HSA contributions up to six months before enrolling.
- Reach out to Alight (opens in a new tab), our HSA administrator, if you have questions.