Triple Checking if Dropping Medicare to go on Spouse's Plan is ok
I have been on Medicare since 3/1/26 in addition to my work insurance (I am disabled and have one more year of coverage through my work). According to the work insurance rules, as of my 65th birthday last month, Medicare is primary and the work insurance is secondary. We have met the out of pocket maximum for myself and my dependent on this plan. The plan year ends 12/31/26.
My spouse's work plan has open enrollment ending 8/20 with a plan year from 9/1/26-8/31/27; I had previously talked to a broker who indicated that as long as spouse's insurance is creditable coverage, that I could go on spouse's insurance and drop Medicare.
I have done extensive research and am about to pull the trigger to go on my spouse's insurance (with the dependent), also stay on my work insurance through 12/31/26, and then drop Medicare as of 9/1/26.
BUT I AM SO NERVOUS to drop Medicare! Terrified that something bad will happen and I will be penalized forever.
Do I call the broker again? Do I talk to Medicare themselves? Do I have faith and trust that it will all work out as long as I can prove that I had insurance every single month for the next 6 years (until spouse retires)?
Thank you in advance for pointing me in the right direction!