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

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Answered 2016-02-08 10:17:17

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

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Medicare becomes the primary insurance if you drop your employer insurance. Up until you drop your employer insurance, Medicare would be your secondary insurance.


You cannot decide which insurance is primary and which is secondary. Their is nothing you can do to determine this. Within each policy it specifies when each policy is primary or secondary. With Medicare, it is always going to be secondary to insurance provided by an employer or retirement plan.


We have Medicare and added on Anthem. Does that mean Medicare is primary (Paying 80 percent) , and Anthem is secondary?


after getting the payment from medicare (Primary) then secondary (X/Y/Insurance should pay even if there is no auth. And only this happens if secondary insurance follow medicare guidelines.


Every covered life, whether utilizing Medicare as primary or secondary insurance is subject to the same, annual Medicare deductible.


If you have insurance through your employer, and you are the policy holder,(the insurance is in your name) this insurance will be primary for you, and your spouses insurance policy will be secondary. The insurance policy thru your spouse's employer, (your spouse is the policy holder, or the insurance is in their name), this would be primary for your spouse, and your policy would be their secondary. Here's the phamplet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf


Medicare is primary unless you are working and have coverage thru your employer. Coverage thru the spouse's employer would be secondary to your own Medicare coverage.NO. The answer posted above is incorrect! Medicare is Secondary.Medicare is secondary when :-The individual or his/her spouse is currently employed/working and covered under an employer group health plan as a result of current employmentsee this linkhttp://questions.cms.hhs.gov/cgi-bin/cmshhs.cfg/php/enduser/std_adp.php?p_faqid=871


Medicare is always the primary insurance unless someone is still working


You do not determine which of your insurance policies are primary in cases where you have multiple health insurance policies. The Federal government passed a law several years ago making Medicare secondary to any other health insurance that you have through an employer or retirement program. This transferred billions of dollars per year from the Medicare and Medicaid programs to private insurance companies all at one time.



WHEN MEDICARE IS PRIMARY, THE PATIENT IS RESPONSIBLE FOR THE SECONDARY COPAY.


Medicare does not require you to use it as your primary insurance; however, your private health insurance carrier probably will, especially if your employer is paying for your health insurance.


I have insurance paid for by my employer (primary) and through my husband's employer (secondary). In my experience, I have never had to pay the copay required by my primary because it is covered by my secondary. When I first got married, 2 years ago, I still paid the copay, but the doctor's office would always send me a check for the copay a month later because the secondary paid it.


i have medicare A and B (plus wellcare for drugs).. I recently went on my husband's insurance which became primary as his company has more than 100 employees. Do i need this insurance? someone said i couldn't even do this? once on medicare i will also be primary with medicare? thanks for your help


The answer to this question depends on what kind of secondary insurance you have - is it a group health plan? Is it a supplement? If Medicare is primary, there are still deductibles, copays, coinsurance that would need to be satisfied by your secondary insurance. Based on your question, I'm assuming that you have a group health plan with a copayment as your secondary insurance. If so, then yes, you would pay your copayment but it would not exceed the part B deductible.


Where I work, the employer plan would be secondary and medicare would be primary. It might depend on how the company has it set up but I can't imagine any company today wanting to be the primary insurer.


If you have medicare and you are a dependent on your spouses medical insurance policy then you would be primary under your spouse and Medicare would be secondary payor. There are a few circumstances where Medicare would be primary but very few (your spouse is covered under COBRA, the group is less than 20 members, or you have end stage renal disease.) Medicare is 99.99 % always secondary because it is a government program (much like Medicaid.) I hope this helps:) Evan


Chances are Medicare would pay first as long as you are no longer working, or if your spouse does not have you covered under insurance through their employer. If your spouse IS working and you do have coverage through them, the group insurance would be primary if their employer has more then 100 employees working for them. Otherwise, Medicare will be primary.



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.


The standard method used by the insurance industry is: actual current active employer is primary; retiree/annuitant is secondary


they can't actually "require" it but any insurance can contract with Medicare to be secondary, provided both parties agree


In general, yes. Medicare can be secondary insurance for a person otherwise entitled to it who continues to work beyond the age of 65 and participates in a health insurance plan offered by or sponsored by the employer. Additionally Medicare can be a secondary payer for disabled people who have their own coverage through their own employer's large group health plan (usually 100 or more employees), or large group health coverage that they have through a family member.


Yes, If medicare pays more than the secondary insurance allows for a charge, the secondary insurance pays nothing. The balance is written off to a contractual allowance that is agreed upon between the provider of service and the insurance company via contract.


Check this page for the answer http://www.steveshorr.com/law_relating_to_insurance.htm primary policy will be medicare&secondary will bethe patient's commercial insurance company.as medicare covers all.the remaining which is not allowable wiill be covered by secondary



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