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To qualify for Medicare, your spouse must be age 65 or older. If your spouse is age 62 (or any age under 65), he or she could only qualify for Medicare by disability.

Here’s an example of when a younger spouse who’s not yet on Medicare might help you save money.

Suppose you reach age 65 and qualify for Medicare, but you haven’t worked long enough to qualify for premium-free Medicare Part A. And suppose your younger spouse has worked at least 10 years while paying Medicare taxes. When your spouse turns 62, you’ll qualify for premium-free Part A. Your spouse won’t qualify for Medicare until they turn 65, but their work record will help you save money by getting Part A with no monthly premium.

See more: https://www.ehealthinsurance.com/medicare/eligibility/will-spouse-of-62-receive-medicare-if-im-65/

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On every Medicare Supplement application you will see the question, “Are you covered for medical assistance through the state Medicaid program?"

This is because there are only two situations in which it would be legal to have both Medigap and Medicaid. They are:

If Medicaid pays for your Medigap policy
If Medicaid is only paying the part B premium

In all other situations, it would be illegal to have both Medigap and Medicaid.

See more: https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy/how/illegal-practices

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If you have VA health benefits and qualify for Medicare at age 65, you can be enrolled in both plans at the same time. However, Medicare and VA benefits do not work together. Medicare does not pay for any care that you receive at a VA facility. VA health care benefits typically only cover services received at a VA facility, and for Medicare to cover your care, you must visit a non-VA facility that accepts your Medicare coverage. Having coverage through both the VA health program and Medicare gives you wider coverage and more choices of where you can be treated.

Enrollment in the VA health care system is considered creditable coverage for Medicare Part D purposes. This means that if you are enrolled in VA drug coverage, you can delay Medicare Part D enrollment without incurring a late enrollment penalty (LEP). VA prescription drug coverage is at least as good as the Medicare Part D coverage

See more: https://www.va.gov/health-care/about-va-health-benefits/va-health-care-and-other-insurance

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The 2025 AHIP Medicare (+FWA) training is planned for release on June 24th. This means that the 2024 AHIP will no longer be available because taking the 2025 version will count towards the remainder of the 2024 selling season.

The full price of AHIP is $175, however you can receive a $50 discount if you wait for one of the carriers to release their 2025 product training that also offers the discount. In our past experience, the first carriers to release their product certifications the closest to AHIP are Aetna, UHC, and Humana (the national carriers). There is no discount code. You simply use the carrier certification link. We keep them organized per carrier on our website for your convenience and we will update them upon release.

See more: https://www.urlinsgroup.com/certification-links

New agent beware: Be careful that you don’t fall into the common trap thinking that a 2025 carrier product certification does the same thing as the AHIP and retroactively makes you ready to sell for 2024. Many carriers require you to do both selling years since they are different products. We mark those with an asterisk on our website.

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