Which statement is NOT true regarding group health insurance and Medicare for businesses with more than 20 employees?

Prepare for the Connecticut Life and Health Insurance Exam with our interactive flashcards and multiple choice questions. Each question is equipped with hints and explanations to ensure your success. Master your exam readiness today!

The statement regarding group health insurance and Medicare for businesses with more than 20 employees that is NOT true is that group health coverage is NOT available for workers over the age of 65. This is incorrect because, under the law, group health insurance can indeed be offered to employees who are over 65. Employers providing group health plans cannot discriminate against older employees, allowing them access to coverage alongside younger employees.

In the context of group health insurance and Medicare, it’s important to understand the role of what is considered "primary" insurance. When a business has more than 20 employees, the group health plan generally serves as the primary insurance for active employees over the age of 65. This means that in scenarios where an individual is both covered by Medicare and a group health plan, the group health plan would pay first in the event of a claim, with Medicare acting as secondary insurance.

This distinction is crucial for employees approaching retirement age, as they may still actively participate in employer-sponsored health plans and have those plans cover their medical expenses initially, without losing access to preventive services offered by Medicare.

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