Will Medicare Remain My Primary Insurance After I Get Married? 
Typically , when you 're on original Medicare -LRB- Parts A & B -RRB- and you have a Medicare supplement -LRB- Medigap -RRB- plan , you will not need to have an additional health plan . Original Medicare -LRB- parts A & B -RRB- cover approximately 80 % of your healthcare expenses - Medigap plans will pay all or a portion of the other 20 % . If you have group coverage as well , you would be spending extra money on those premiums unnecessarily . You can not be forced to go on her group health insurance if the two of you got married - it 's only an available option for you . If you have a Medicare supplement plan other than a plan F or plan G , I would recommend switching to one of those two plans before adding yourself to your fiance 's group coverage - it would save you countless dollars by comparison . Plan F provides full coverage - every other plan provides good coverage , but you will share some of the expenses . I would recommend consulting with an experienced independent Medigap broker who can review your specific situation and help you determine the best course of action . I would also suggest reviewing the Medigap plan you currently have to see if there are better rates available -LRB- the plans are standardized meaning you regardless of which carrier it 's through , the benefits are exactly the same - plan F from company A is the same as plan F from company B -RRB- . Changing a Medigap plan can be completed at anytime during the year - you do not have to wait for the annual enrollment period like you would with prescription drug plans or Medicare advantage plans . I hope the information is helpful - please feel free to contact me for assistance with your coverage -LRB- my background is in senior insurance -RRB- and if you have any further questions . Thanks very much . 