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Need info about medicare will turn 65 in Nov would like to still keep the same ins plus medicare?
Wiki User
∙ 16y ago
I had retired from my employer before 65. I continued the retirees' group health insurance. When I turned 65, my employer required me to take Medicare as my primary insurance. I could stay with the group, but it would "coordinate" benefits with Medicare.
My experiences with my providers have changed. Before Medicare, my providers would bill my insurance and take their payment. I would pay the deductible and co-insurance.
With Medicare, my providers will bill Medicare but not accept their payments. So, Medicare sends me these silly paper checks (they will not use electronic deposits). The provider can bill 115% of the Medicare approved amount. My group plan then pays based on the 115% amount (less any deductible and co-insurance). They also send to me their silly paper checks. (All that happened is that I turned 65 - now I get silly checks and a bookkeeping nightmare).
I take the paper checks to the bank and then pay my providers electronically.
One time I had services from a provider that participated with Medicare. Medicare paid (I got their paper MSN after about four months). My group plan paid. The provider asked me to pay the balance. Worked pretty smooth - except the provider charged me for items I did not receive.
They said since Medicare paid them based on a "DRG" (a payment scheme based on the primary services delivered - without worrying about cost), they could not rebill and it would not make any difference if they could. Again, before I turned 65, it was easy to point out an error to my group insurance and it got fixed quickly. Medicare takes a long time to even understand the question.
So, ask your employer or insurance company how they work with Medicare. Then, hope that you can keep them as the primary payer. Also, if you have to go with Medicare, let's hope that your providers accept Medicare.
Wiki User
∙ 16y ago
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