Medical Insurance
Retirement Planning
Medicare and Medicaid

Does medicare as the secondary insurer pay for the deductible of the primary helath plan?

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2011-09-25 14:39:29
2011-09-25 14:39:29

No. If you have a deductible with your primary carrier, you will have to pay the deductible first before Medicare will pay anything.

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Related Questions


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



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


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


The primary will pay first. If the primary happens to be traditional Medicare.......They (MedicarePart B will pay 80%) and the Secondary should cover the remaining 20%. That is after your annual deductible of $165.00 has been met.


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.


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.


Certainly altho I see no benefit for a Medicaid recipient. The HMO would be the primary insurer and Medicare secondary. Medicaid is always the payor of last resort. However, there shouldn't be any expenses for Medicare or Medicaid to pay.


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


No. There is a federal law that requires Medicare is a secondary payer. You can find more information on the CMS website under "Medicare Secondary Payer and You."


Medicare is always the primary insurance unless someone is still working


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.



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.


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


It depends upon the specific benefits of your BCBS policy, however they (BCBS) would process on the remainder of the balance due up to Medicare's allowed charges unless your deductible was not satisfied with your BCBS policy. In that case the entire amount allowed by Medicare would be considered for the BCBS deductible.


so that TriCare doesn't have to be the primary insurer


This would be a very rare situation, I think. In such a case, the managed care organization would be the primary insurer and Medicare secondary. Medicaid is always the payor of last resort. However, there shouldn't be any expenses for Medicare or Medicaid to pay.


Medicare does offer coverage for skilled nursing facilties. In order to find out if Medicare will pay as your secondary, the provider needs to submit it to Medicare. This statement is from the Meidcare.gov website: Medicare providers must submit claims (bills) to Medicare for you, whether Medicare is your primary or secondary insurer. For Medicare to process a claim as a secondary payer, the provider must give your primary insurance information to Medicare. You may also consider calling 1-800-Medicare for information about secondary coverage. If you do, remember from Nov 15th to Dec 31st is a busy time for Medicare so it may be difficult to reach them. One more hint to save some frustration: If BlueCross BlueShield has already paid the amount they were supposed to pay, calling them won't really help you because their job is done. Now the remaining bill is between the provider and Medicare.


Depends on the doctors office billing procedures. For more details visit www.SteveShorr.com yes, your secondary insurance should cover this amount if you have reached your deductible with them. Normally, if the primary insurance applies a deductible or co-insurance/co-pay and you have not met your deductible on your secondary policy, depending on your policy they may apply the remaining balance to your deductible. Normally after the deductible is met on the secondary ins. they pay 100% of your remaining balance.


Question isn't clear, but ordinarily Medicare is the primary payor and your retiree coverage is secondary.


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


The answer depends on what type of Aetna Medicare Plan you have. If you have an Aetna Medicare Supplemental Plan, then Original Medicare pays first and the Aetna plan pays secondary If you have an Aetna Medicare Advantage HMO Plan, then the Aetna plan will always be primary as Medicare has assigned the benefits over to Aetna for processing and administration.


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


if you have medicare,retired but spouse works.spouse ins is primary and medicare secondary. if you are a child both parents has anthem,birthday rule has to apply. the parent who is born first is primary and the parent who is born later is secondary does not matter if parents are married or not



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