Cobra- ghosting rule

Q: Where do I find the rule / policy that basically says Medicare pays first when I am under Cobra Coverage?

My past employer is claiming a “Ghosting Rule” applies in my case because at the time I applied for Cobra (at the age of 70), I did not have Part B Medicare even though I was eligible for same. I did have Part A. I did apply for Part B during the Special Enrollment period due to the termination for Medical reasons. I was still on the companies disability insurance and Cobra coverage for the one month it took to process my Part B medicare.

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