Citi Benefits Handbook
Coordination with Medicare
When you or your eligible dependents are entitled to Medicare and you are covered under the Citi Plan as an active employee, the Citi Plan continues to be the primary plan. The Citi Plan is primary for the following situations:
  • Eligible active employees age 65 and over who are entitled to Medicare benefits;
  • Dependent spouses age 65 and over who participate in the Citi Plan on the basis of the current employment status of the employee and who are entitled to Medicare benefits; and
  • For the first 30 months of Medicare entitlement, certain individuals who become eligible for Medicare on the basis of having end-stage renal disease (ESRD). After this initial 30-month period, the Citi Plan is secondary to Medicare.
If you or a covered family member becomes covered by Medicare after a COBRA election is made, your COBRA coverage may end. Medicare is the primary plan if you are enrolled in COBRA.
If you or your dependent is eligible for Medicare, and you are no longer an active employee, enrollment in Medicare cannot be deferred based on enrollment in COBRA. Delaying enrollment in Medicare beyond initial eligibility may result in the assessment of penalties or late fees.