No, you are not subject the the late enrollment penalty if you were covered by an insurance plan or your spouse's insurance plan at the time you were eligible. Make sure you receive a copy of your creditable coverage letter once you plan to enroll in Medicare Part B, so you can prove you were covered. For more information on the time frames for enrolling in Part B should you lose or drop coverage, see the link below on the Medicare website to the Medicare & You Handbook, page 21.
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.
Every covered life, whether utilizing Medicare as primary or secondary insurance is subject to the same, annual Medicare deductible.
It the wife has her husband on her work insurance plan than that is his primary insurance. If he is not covered on her plan then he would need to buy his own insurance. Once he gets on Medicare that would become his primary insurance. If his wife is still working once he gets on Medicare the primary carrier is determined by how many people work for her company. If there are less than 100 employees then Medicare would be primary.
Medicare becomes the primary insurance if you drop your employer insurance. Up until you drop your employer insurance, Medicare would be your secondary insurance.
Blue Cross Blue Shield is primary and Medicare is secondary they will the BCBS first and then bill Medicare.
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
We have Medicare and added on Anthem. Does that mean Medicare is primary (Paying 80 percent) , and Anthem is secondary?
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 refers to the case in which a patient is insured by more than one insurance plan. For example, a Medicare patient is generally covered for 80% of charges for a physician visit. In this case , he or she would usually be responsible for the remaining 20% of charges. However, if he or she has dual insurance coverage and is also covered by a supplemental plan. Medicare plus, this secondary plan would generally pay the amount not covered by the patient's primary insurance plan, Medicare.
Medicare is primary if your group is under 20 lives. 20 lives or more and medicare is secondary to your employer paid group plan.
Medicare is always the primary insurance unless someone is still working
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
Your job insurance is the primary. Usually medicare/disability comes first then others supplement.
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
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.
non covered charges according to the medicare remittance. Medicaid will pick up the 20% of medicare covered charges.
Is ones spouse covered under Medicare and Blue Shield when the primary carrier dies.
Secure Horizons offers medical insurance for Medicare. You can chose from Medicare Advantage which is similar to an HMO or Medicare Supplemental which will cover what your primary insurance will not.
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 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.
assuming you mean at age 65 or beyond, medicare becomes the primary insurance, and your other insurance becomes a medicare supplement.
The primary insurance holder is obviously covered alongside their spouse and children too if they were included in the insurance plan.
Medicare is primary if you work for a company with less than 20 employees. It would also depend on if the spouse is covered under the employer group health insurance. For more info. see www.SteveShorr.com/medicare.htm I recommend you visit www.cms.gov. to answer your question, If you are not 65+ years old, completely disabled, or both, and your spouse is employed by a company with 100+ employees, then your spouses insurance is primary. However, if you are disabled, 65+ yrs old, or the company your spouse works for has less than 100 employees, then your medicare would be primary.
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.
Your state may have varying laws about dual coverage, but generally speaking, if you have a primary insurance, they will pay first. Any co-pay or deductible that your primary coverage does not pay will be covered by government insurance.
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