Does an employer have any responsibility for an employee’s medical insurance if the employee is a senior on medicare and has a supplemental policy?
According to the ObamaCare Employer Mandate, all businesses with 50 or more full-time equivalent (FTE) employees must provide affordable health insurance to at least 95% of their FTE employees and dependents up to the age of 26. This requirement includes seniors with access to Medicare if they are qualifying, full-time equivalent employees.
It's the employees choice to choose between Medicare or the coverage you offer. They can take your coverage, and still get Medicare Part A (while deferring Part B without a penalty). If the employer has 20 more employees, and does offer coverage, then they must also offer it to the 65 plus employee.
You can provide employee benefits that include contributions toward supplemental Medicare as well, but still must offer the employee the same plan as everyone else.
For employees, if a group health plan doesn't pay all of your bill, the doctor or health care provider should send the bill to Medicare for secondary payment. Medicare will look at what your group health plan paid, and pay any additional costs up to the Medicare-approved amount. You'll have to pay whatever costs Medicare or the group health plan doesn't cover.
Be sure to learn more about your options when you have both employer-sponsored health insurance and medicare options.