Upon turning 65, what impact will Juan's Medicare enrollment have on his employer-sponsored healthcare coverage?

When an individual like Juan turns 65 and enrolls in Medicare, the primary impact is that Medicare usually becomes the secondary payer to any employer-sponsored healthcare coverage, provided that the employer has 20 or more employees. This means that if Juan has both Medicare and his employer's health insurance, the employer's plan pays first for claims, and Medicare pays second, covering certain costs not paid by the employer's plan.

Employers with fewer than 20 employees typically have different rules, where Medicare would be the primary payer and the employer coverage may not be considered. However, in situations where there are 20 or more employees, the employer plan takes precedence.

While it is true that some employers are required to continue offering coverage regardless of Medicare enrollment, this does not change the payment order between the two insurance sources. The statement that Medicare will replace the employer coverage entirely is also inaccurate, as being enrolled in Medicare does not cancel or terminate employer-sponsored health coverage automatically. Adjustments to plans by the employer based on Medicare enrollment is not a standard requirement and would depend on specific terms of the employer plan.