Illinois Health Insurance Practice Exam 2026 – All-in-One Guide to Master Your Health Insurance Certification!

When an employed senior citizen is enrolled in a group health plan that has more than 20 members, that group plan is designated as the primary payer for health insurance claims. In this situation, the group plan pays first on any medical expenses, while Medicare serves as the secondary payer, covering costs that the group plan does not.

This order of payment is established under federal law, which ensures that working individuals age 65 and older can utilize their employer-sponsored health insurance as the primary source of coverage if the employer's plan has at least 20 employees. Therefore, the correct interpretation of this scenario confirms that the group plan would take precedence in managing and covering medical expenses, while Medicare would step in only after the group plan has processed its share of the costs.