A client aged 65 with 10 years of Medicare taxes is trying to enroll in a Marketplace plan. What will happen?

A client aged 65 with 10 years of Medicare taxes is trying to enroll in a Marketplace plan. What will happen?

• A. They will be automatically enrolled in a Marketplace plan
• B. They can enroll in Marketplace and Medicare simultaneously
• C. The marketplace system will prevent enrollment and direct them to Medicare.gov to enroll
• D. They will be enrolled in a special Medicare-Marketplace hybrid plan

Answer: (C)

When someone is eligible for Medicare, the Marketplace won’t enroll them in a Marketplace plan. The system recognizes Medicare eligibility and directs the person to enroll in Medicare on Medicare.gov. At age 65 with substantial work credits, they typically qualify for premium-free Part A and should enroll in both Part A and Part B during the initial enrollment period, then decide on Part D or a Medicare Advantage plan for additional coverage. There isn’t a Medicare–Marketplace hybrid plan. So the correct outcome is that the Marketplace will prevent Marketplace enrollment and send them to Medicare.gov to enroll.

When someone is eligible for Medicare, the Marketplace won’t enroll them in a Marketplace plan. The system recognizes Medicare eligibility and directs the person to enroll in Medicare on Medicare.gov. At age 65 with substantial work credits, they typically qualify for premium-free Part A and should enroll in both Part A and Part B during the initial enrollment period, then decide on Part D or a Medicare Advantage plan for additional coverage. There isn’t a Medicare–Marketplace hybrid plan. So the correct outcome is that the Marketplace will prevent Marketplace enrollment and send them to Medicare.gov to enroll.