If You Are Actively Employed When You Reach Age 65

If you are actively employed by Boston University at age 65, your membership in the Boston University Health Plan will continue as your primary insurance. You may delay enrolling in Medicare Part B without a penalty as long as you remain covered under the Boston University Health Plan.

When you reach age 65, you should contact the Social Security Administration by calling 1-800-772-1213 to enroll in Medicare Part A.

Coverage through Medicare

When you reach age 65, you become entitled to coverage under Medicare, the health plan administered through the Social Security Administration. Medicare coverage is not automatic; you must enroll through Social Security.

Medicare coverage has three parts:

  • Part A: Provides hospital insurance and requires no premium payment from you
  • Part B: Provides supplementary medical insurance and requires a premium payment from you
  • Part D: Provides prescription drug coverage

Three months before your 65th birthday, you should contact your local Social Security office regarding Medicare benefits.

In addition to Medicare Parts A and B, you may also wish to enroll in a non-group health plan that will augment your Part B coverage. This kind of plan, called a “Medicare Supplement,” will fill in some of the gaps in Medicare, giving you more complete coverage.

The University has entered into an agreement with Ovations of United Health Group to offer the nationwide Medicare supplement plans that are available under AARP Health Care Options. Retirees may also obtain their Prescription Drug coverage through this program. The cost of the plan must be paid by the retiree in full. The premium for these plans will be the same as the premium paid by all other AARP members; however, the annual AARP membership fee for the first year will be paid on behalf of the retiree to facilitate enrollment through the University. Also, the University will pay the first month’s premium cost for current employees who enroll in this plan upon official retirement from Boston University. In addition, retirees who enroll in one of the AARP Health Care Options through the University will also have the option to enroll in a discount program offered by United Health Group which provides discounts for cosmetic dentistry, assisted living, hearing care, and wellness care.

For details about AARP Health Care Options, please call 1-800-545-1797. For reimbursement once you have paid the first month’s premium, send a copy of your bill or receipt and your Boston University ID Number to: Boston University Human Resources, Charles River Campus, Boston, MA 02215.

Alternatively, various “Medicare Advantage Plans” are available for your consideration. Go to the Medicare website for a list of plans available as well as what they cover and the costs. Contact Human Resources for more information.

The following chart summarizes health insurance coverage options available to you at age 65.

Your Health Insurance Coverage Options at Age 65

Boston University Health Plan Medicare Parts A & B only
Active employee (and spouse) age 65 and over Available (with Medicare as secondary coverage) Available
Retired employee (and spouse) age 65 and over Not an option* Available
*When coverage terminates, you may be eligible to continue your coverage according to special provisions.