Policies that helps to cover uncovered Medicare services

If you have a Medicare plan already, there is other health insurance or coverage where each type is called a ‘Payer’. The types are usually Medicare Part-A plan, Medicare Part-B plan and a Medigap plan or Medicare supplement insurance. Each of the above policies covers certain services but not necessarily all. There are rules to decide who pays first if there are multiple payers. These payers are usually primary payers, secondary payers and even Tertiary payers. The primary payer first pays the bills covered for the services and sends the remaining to the secondary payer and so on to the next. The next payer may not necessarily pay for all services but to the covered services only.

How payments work for uncovered Medicare services

The first payment by the primary payer approves the bill only the services covered under their policy. Then the rest of the uncovered services may get paid by the secondary payer but again only to the services covered and not to all remaining services. The payment made for the services of another payer is known as a conditional payment, which prevents paying money from your pocket. However as the payment is conditional you have to make sure that you repay the payer once your claim or payment is settled. There are many procedures to recover your payment by the payer are you or your lawyer hasn’t reported to the payer. For more details regarding the Medigap services, please click here.

Comparison of Medigap policies

All the Medigap policies must follow certain laws that are designed for your protection. You can choose policies based on your requirement where most of the companies offer the same benefits while additional benefits are offered by some companies. The medigap policies are decided by the insurance companies which it wants to sell. But they need not offer every service of the medigap policies. The policy clears the bills only if you have paid your monthly deductibles correctly.  The Medigap policy is limited to an individual and should be paid separately for each head.  For more information about Medicare policies, click here.

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