You need to read your insurance policies carefully to ensure that you understand how Medicare works with other insurance plans. If you have Medicare plus any additional insurance, “coordination of benefits" rules decide which one pays first.The "primary payer", pays what it owed on your bill first, and then sends the rest to the "secondary payer" to pay. In some cases, there may also be a third payer. Medicare will work with other plans and providers but does not necessarily make as many concessions when it comes to providing coverage over individual insurance plans.
Items to remember:
- If Medicare is the second payer, it will not pay all uncovered costs.
- The primary payer usually will pay up to the limits of their policy.
- For those with employer plans, you will need to enroll in Medicare part B before insurance will pay.
How Medicare Works With Workers’ Compensation\
If you are employed and also eligible for Medicare, there may come a time you will want to understand the relationship between Medicare and Workers' Compensation. If you are injured on the job, your employer-provided Workers' Compensation insurance will be responsible for payment of medical and other related bills associated with the accident.
Columbia River Insurance Services is an independent insurance agency that is licensed in the states of Oregon and Washington. Consider us your expert Medicare agents available to serve you and assist with your Medicare questions. We have Vancouver Medicare Agents and Portland Medicare Agents available to serve you