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check your states department of insurance website for a full list of companies, and of course there are usually medicare advantage plans that are much more affordable for those on disability and medicare. or call your local agent, but don't assume he knows everything about every company. your state DOI website will have the information you need

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Q: Can someone get medicare supplement insurance under age 65 and who with?
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Will Medicare Supplement Insurance cover dependents under the age of 16?

Yes, Medicare Supplement Insurance covers dependents and children up to the age of fifteen according to their guidelines which are listed on their website.


What are some details about the Medicare Supplement Insurance provided by the Mutual of Omaha?

Medicare Supplement Insurance provides health insurance for people older than 65 years or people under 65 with certain disabilities or people of any age with end-stage renal disease.


Can someone claim medicare or medicaid if currently under medical coverage?

Having private insurance does not make one ineligible for Medicaid or Medicare.


How do you get a supplement insurance to Medicare when you are under 65?

If you are on Medicare due to disability or End Stage Renal Disease(is this the reason you have Medicare under age 65?), you will need to look into a Medicare Advantage Plan instead of a Medicare Supplement also called Medigap. This is what Medicare says: If you are a person with Medicare under age 65 and have a disability or ESRD, you might not be able to buy the Medigap (also called "Medicare Supplement Insurance") policy you want, or any Medigap policy, until you turn age 65. Federal law doesn't require insurance companies to sell Medigap policies to people under age 65. However, some states require Medigap insurance companies to sell you a Medigap policy, even if you are under age 65. For more info on Medicare Supplements: http://www.medicare.gov/Publications/Pubs/pdf/02110.pdf For more info on Medicare Advantage Plans: http://www.medicare.gov/Publications/Pubs/pdf/10050.pdf IMPORTANT NOTE: You must enroll in a Medicare Advantage Plan before December 31, 2008 or you will need to wait until November 15, 2009 to enroll.


What is my primary insurance my husband's plan at work or medicare?

If you are covered under your husband's plan and he is working, his plan is primary to Medicare. If you are not covered under your husband's plan, Medicare is primary.


Can secondary insurance pay claims that are denied by Medicare?

That would be covered under the terms of your policy. In general that is what supplemental, (secondary) insurance is primarily for. Most "supplemental" plans pay the 20% that Medicare didn't pay only AFTER seeing an "explanation of benefits" statement--i.e. proof that Medicare paid their part. If Medicare denies a service all together, the supplemental plan is often under no obligation to pay at all, as they are there to "supplement" Medicare, not take the place of it in cases of denial. This is especailly true if Medicare denies because the service was deemed "not medically necessary". So, in short, no. Medicare supplements often do not cover services if they are denied by the primary (Medicare).


I understand when Medicare is primary and when Medicare is secondary. What is the difference in coverage between a Medicare Supplement and Medicare as a secondary insurer?

If you have a Medicare Supplement then the provider will bill Original Medicare first. At that time Medicare will pay the allowable amount and then return an explanation of benefits stating the beneficiary's portion. Based on the Medicare Supplement Plan that is in place (A-N) the Medicare Supplement will pay a portion or all of the remaining amount due. If they pay only a portion based on the plan (A-N), then according the plan guidelines, the beneficiary would pay any outstanding amount at that time. If a Medicare beneficiary is covered on a employer or retiree group plan and due to the size of the plan, the group plan is primary, then the group plan benefits will apply first and any amounts due by the Beneficiary will be billed to Medicare second. If it is a Medicare covered service, then Medicare will pay the remaining amount due as the secondary payor up to the amount allowed by Medicare. If the service is not allowed by Medicare, than the beneficiary's co-insurance or co-payment under the group plan would be their responsibility.


Can medicare be used for secondary insurance if the primary insurance is paid by your employer?

Medicare is primary if your group is under 20 lives. 20 lives or more and medicare is secondary to your employer paid group plan.


Who pays the cost of medicare supplement insurance?

Medicare is a federal health insurance program that pays some of the health care expenses for people who are 65 or older. It will also pay for health care for people who are eligible because of a disability or qualifying health condition. You can buy Medicare supplement insurance to help pay some of your health care costs that Medicare won't pay. Because it helps cover some of the "gaps" in Medicare coverage, Medicare supplement insurance is often called Medigap insurance. There is also another option under Part C of Medicare called Medicare Advantage plans. You are required to pay the premiums for both types of insurance and there may also be deductibles, co-payments and co-insurance. These payments can range anywhere from $0 to $7,000 per year depending on the plan. However, if your income and assets are below a certain level, you might be eligible for Medicaid. Medicaid is a state-administrated federal program that pays for health coverage for people with low incomes. If you qualify for Medicaid, the state will pay your Medicare premiums and out-of-pocket costs. Medicaid will also pay for some services not covered by Medicare. In many cases, if you receive Medicaid, you do not need Medicare supplement insurance. To learn more about the costs of individual plans available in your area, I suggest you meet with a licensed health insurance agent if you have someone that you know and trust. Not all agents can enroll you in all plans so you may have to sit down with a couple different agents to learn about all the plans out there. Another alternative is to contact your local State Area Agency on Aging. They have counselors available who can help you and it does not cost anything to meet with them. You can find your nearest agency at the related link below.


Does blue cross blue shield cover bariatric surgery under supplimentary Medicare coverage?

Any medical procedure connected to a Medicare plan will need to be proven medically necessary by the doctor. You doctor will know whether or not you can use your Medicare Supplement to pay for the surgery.


How do you find out about medicare advantage for disable under 65?

any insurance company that offers regular medicare cov can offer a disabled person cov.


Why is the car insurance required by federal law to send info to medicare?

This is to determine if injuries from an auto accident can be paid from your insurance coverage or from Medicare. Several years ago the Federal government made auto insurance primary for paying for such injuries medical expenses and Medicare would pay secondarily over and above the auto insurance. They also made Medicare secondary to any other insurance you may have from a former employer under a retirement provision. This was a drastic swing of lots of money off of Medicare and onto other insurance programs for payment.