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When you have other insurance, there are rules that decide whether Medicare or your other insurance pays first. The insurance that pays first is called the "primary payer" and pays up to the limits of its coverage. The one that pays second, called the "secondary payer," only pays if it covers any of the costs left uncovered by the primary coverage.
For more information, see the Medicare and You 2009 book:
http://www.medicare.gov/Publications/Pubs/pdf/10050.pdf (page 74)
that page 74 only discussing if you are working. i am not working.
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My son receives Social Security disability and Medicare. I also carry him as a dependent on my group health insurance through work. Which insurance (group health from my employer or Medicare) is his primary insurance?
In most cases, Medicare is the primary insurance for those who have it and are also covered by other types of insurance, like a group health plan. The group health plan would then typically serve as secondary insurance to cover costs not paid by Medicare. It's best to check with both insurance providers to understand how they coordinate benefits for your son's situation.
Do you have to sign up for Medicare at age 65 if you are covered by a group health insurance?
As far as I know, Medicare does not require you to sign up. However, your group health insurance will almost certainly require you to do so.
How do I know which health insurance is primary Medicare or a group plan at work This concerns my son who receives SS Disability and Medicare, but is also a dependent on my insurance through work.?
The best way to tell is to call your work-based health plan and ask them directly.
What is Medicare health insurance used for?
Medicare health insurance is used to cover the health care costs for American individuals over the age of 65. Medicare is a topic of discussion during almost every political debate.
Can you carry primary insurance after you retire and go on medicare?
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.
What of the following is not an optional deduction if I see a health insurance?
What of the following is not an optional deduction? A. Health insurance B. 401(k) C. Medicare D. Life insurance
Can you have three health insurances?
With medicare can I have two supplement health insurance
What is Medigap insurance?
Medicare does not offer complete health insurance protection. Medigap insurance is a type of plan intended to supplement Medicare coverage
What health insurance allows abortions?
AARP and MEDICARE
You have Medicare as primary insurance and BCBS as secondary insurance Do you pay the copay on the secondary insurance?
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.
Does an employee with existing group health insurance have to enroll into Medicare at age 65 buy a supplemental plan then drop the group health insurance?
You have a choice to stay in your employer's plan or join Medicare. When you do stop working and lose your group health plan, make sure you enroll in Medicare within 8 months. You could also enroll in Medicare Part A (hospital coverage), and postpone enrolling in Part B (physician coverage) until you are done with your group health plan. Part A does not cost you a monthly premium. You would be over-insured, but the Part A benefit is available to you at age 65, whether you have other coverage or not.
What companies offer health insurance for seniors?
Private health insurance companies generally avoid the elderly. If an elderly person currently does not have medical insurance, their best bet is to find a job that will grant group insurance regardless of their age, or to apply for Medicare.
