1)- They have a Special Enrollment Period to get out of the Medicare program if they’re not eligible for it. For this to apply, they have to qualify for Medicare (age 65 or older, not disabled), and they must pay all of their premiums.

2)- There is a Medicare Supplement program for higher income. It is paid for by the employer and approved by the Social Security Administration (SSA). 11)- The maximum benefit amount offered on these plans are Medicare Part A and Medicare Part B.

3)- The plans also offer prescription drug discounts available in various forms. But, again, look at the Medicare Reimbursement Schedule to see which plans have what you need.

4)- If you qualify for Medicare Advantage, your employer can’t cancel your health plan and instead go over the limited maximum limit of your Medicare Advantage coverage.

5)- This is called a “contract-based” health plan. Your employer will policy provide the benefits for you. Still, you are responsible for paying all of the premiums and any out-of-pocket costs associated with going over your deductible or spending more than what your Medicare Advantage plan paid out (the high-cost coinsurance).

6)- The health plan must be part of the employer’s group health plan or a Medicare Supplement Plan (which you pay for yourself) to be offered.

7)- With most plans, you only pay your share of the premium (contribution) when they are due (annually). This is called “premium matching,” and it helps keep the cost of your plan low.

8)- Employers can also offer “managed care” plans that help control costs and make it easier for people who are sicker or have more health problems to get better. This is called a “high-value” benefit. In general, managed care plans don’t pay benefits until their members become worse off than before, but they can pay benefits while still in good health.

9)- In general, employers must reimburse the Medicare Advantage Plan premiums paid by their employees, whether the employer offers or doesn’t offer a Medicare Advantage plan. If you go to your employer’s medical provider and say that you need emergency treatment because of a major heart condition, your employer’s plan may pay for your care. But if you go to a private doctor, the doctor will probably bill Medicare (or Medicaid).

10)- As of March 2013, most employers must pay the premiums that their employees pay into a 401(k) or 403(b) retirement plan. These plans help you save and invest for retirement. If you don’t have a retirement plan, you can buy one with your employer’s money. For example, if the company you work for is an all-employee 401(k) plan and your employer offers a matching contribution of 4% of your after-tax pay, you might use some of that money to help you save for retirement. On the other hand, you might need to determine if your employer isn’t an all-employee 401(k) plan and doesn’t offer a matching contribution

11)- Social Security or other government assistance is the most common form of income for many people who don’t have enough money to pay their bills. You may not think that some government programs are food stamps, but they are. Some people are eligible for these programs, called Supplemental Nutrition Assistance Program (SNAP), but others are not. If you’re not eligible for SNAP because you don’t have money to buy food, you can sometimes get by on your own by routing money through the bank, paying bills at a check-cashing store, and so on. Your income may be counted in the same way as a business owner’s or a self-employed person’s income. You can also buy food with the money you saved. For example, you can buy food with your Social Security check by buying it at the Supermarket and delivering it to someone else who will eat the food; you won’t need to pay for your purchase.