When You Become Medicare-Eligible
Generally, you become Medicare-eligible as of the first of the month in which you reach age 65, whether or not you are retired. If your birthday is on the first of any month, you become Medicare-eligible on the first of the prior month. You become eligible before age 65 if you have been receiving Social Security disability benefits for two years or if you have chronic kidney disease (End Stage Renal Disease, or ESRD). Your spouse may become Medicare-eligible when he or she turns age 65 based on your work record, as long as you are at least age 62.
Note: If you or a dependent becomes Medicare-eligible due to disability prior to age 65, you must notify the PG&E Benefits Service Center that you have become Medicare-eligible. All ESRD patients must apply for Medicare as soon as possible to receive full coverage under any medical plan.
Network Access Plan (NAP) Members
The NAP Plan is not offered to Medicare-eligible members who are over age 65. If you are enrolled in the NAP Plan when you turn 65 and become Medicare-eligible, effective the first of the month in which you turn 65 you must switch to one of the over-65 options offered by Anthem Blue Cross: the Comprehensive Access Plan (CAP), the Retiree Optional Plan, or the PG&E Medicare Supplemental Plan (MSP). Approximately four months before your 65th birthday, the Company will notify you of your options. Your covered dependents under age 65 will remain enrolled in the NAP Plan until they turn 65 or become Medicare-eligible due to disability, at which time they will also be transferred to the same Anthem Blue Cross Medicare plan you are in.