Final answer:
The primary health insurance for an individual with Medicare and employer's health plan depends on the size of the employer. Medicare is typically primary if the employer has fewer than 20 employees, while the employer's health plan is primary for larger employers. Clarification from the benefits administrator and Medicare is advisable in cases of dual coverage.
Step-by-step explanation:
Which Health Plan is Primary: Medicare or Employer's Health Insurance?
When an individual is covered by both Medicare and an employer's health plan, the primary insurance provider is determined by the size of the company. If the employer has fewer than 20 employees, Medicare is generally considered the primary insurance. For larger companies with 20 or more employees, the employer's health plan is usually the primary insurance. However, there are additional rules and exceptions, so it's essential to consult with the benefits coordinator at one's place of employment or contact Medicare directly for specific circumstances.
Medicare is a government-backed insurance program that primarily serves people who are over the age of 65, providing them with health care coverage. On the other hand, private health insurance plans, such as those provided by an employer, offer coverage that might be primary for active employees, depending on company size and other factors.
Thus, the correct answer to the question is that it cannot be determined from the information given without considering the size of the employer and specific circumstances. As a best practice, it is advisable for individuals with dual coverage to get clarification from both their employer's benefits administrator and Medicare to ensure accurate coordination of benefits.