[Sign Up Now] to Receive Our FREE Daily SCVTV-SCVNews Digest by E-Mail

SCVNews.com | Opinion/Commentary: How Medicare Works with Other Insurance | Commentary by Greg Dill | 06-16-2017
Inside
Weather
Santa Clarita CA
Sunny
Sunny
67°F
 
Calendar
Today in
S.C.V. History
June 25
1859 - Outlaw Tiburcio Vasquez escapes from prison while serving sentence for grand larceny in L.A. County; recaptured in August and sent to San Quentin [story]


If your family is anything like mine, everyone has a certain specialty or role in keeping the household running.

Since I wash dishes faster than anyone, I’m the family dishwashing expert. I’m also the point man for paying medical bills. My wife and I have separate health coverage, so I have to make sure our providers have the up-to-date information they need to accurately bill our respective insurance plans.

If you have Medicare as well as other insurance, always be sure to tell your doctor, hospital and pharmacy. This is important because it determines whether your medical bills are paid correctly and on time.

When there’s more than one insurance payer, certain rules determine which one pays first. These rules are called “coordination of benefits.”

The “primary payer” pays what it owes on your bills first — and then sends the balance to the “secondary payer” to pay. In some cases, there may also be a third payer.

Medicare is the primary payer for beneficiaries who aren’t covered by other types of health insurance.

The primary payer pays up to the limits of its coverage. The secondary payer only pays if there are costs the primary insurer didn’t cover.

But keep in mind that the secondary payer (which may be Medicare) may not pay all of the uncovered costs.

If you currently have employer insurance and it’s the secondary payer, you may need to enroll in Medicare Part B before your job-based coverage will pay. (Most people who sign up for Part B for the first time this year will pay a monthly premium of $134.)

Here’s who pays first in various situations when you have Medicare and some other type of insurance as well:

If you have retiree insurance (coverage from a former job), Medicare pays first.

If you’re 65 or older, have group coverage based on your or your spouse’s current employment, and the employer has 20 or more workers, your group plan pays first. (If the company has fewer than 20 employees, Medicare pays first.)

Your group plan also pays first when you’re under 65 and disabled, have group coverage based on your or a family member’s current employment, and the employer has 100 or more employees. (Medicare pays first if the company has fewer than 100 employees.)

If you have Medicare because of endstage renal disease (permanent kidney failure), your group plan pays first for the first 30 months after you become eligible for Medicare. Medicare pays first after this 30month period.

Medicare may pay second if you’re in an accident or have a workers’ compensation case in which other insurance covers your injury or you’re suing another entity for medical expenses.

In such situations you or your lawyer should tell Medicare as soon as possible. The following types of insurance usually pay first for services related to each type:

* No-fault insurance (including automobile insurance);

* Liability (including automobile and self-insurance);

* Black lung benefits;

* Workers’ compensation.

Medicaid and TRICARE (the healthcare program for U.S. armed service members, retirees, and their families) never pay first for services that are covered by Medicare. They only pay after Medicare, employer plans, and/or Medicare Supplement Insurance (Medigap) have paid.

For more information, read the booklet “Medicare and Other Health Benefits: Your Guide to Who Pays First.” You can find it online [here].

Or call us toll-free at 1-800-MEDICARE (18006334227) and ask for a copy to be mailed to you. TTY users should call 18774862048.

If you have questions about who pays first, or if your coverage changes, call the Benefits Coordination & Recovery Center toll-free at 1-855-798-2627. TTY users should call 1-855-797-2627.

You can also contact your employer or union benefits administrator. You may need to give your Medicare number to your other insurers so your bills are paid correctly and on time.
Greg Dill is Medicare’s regional administrator for Arizona, California, Hawaii, Nevada, and the Pacific Territories. You can always get answers to your Medicare questions by calling 1-800-MEDICARE (1-800-633-4227).

 

Comment On This Story
COMMENT POLICY: We welcome comments from individuals and businesses. All comments are moderated. Comments are subject to rejection if they are vulgar, combative, or in poor taste.
REAL NAMES ONLY: All posters must use their real individual or business name. This applies equally to Twitter account holders who use a nickname.

0 Comments

You can be the first one to leave a comment.

Leave a Comment


Opinion Section Policy
All opinions and ideas are welcome. Factually inaccurate, libelous, defamatory, profane or hateful statements are not. Your words must be your own. All commentary is subject to editing for legibility. There is no length limit, but the shorter, the better the odds of people reading it. "Local" SCV-related topics are preferred. Send commentary to: LETTERS (at) SCVNEWS.COM. Author's full name, community name, phone number and e-mail address are required. Phone numbers and e-mail addresses are not published except at author's request. Acknowledgment of submission does not guarantee publication.
Read More From...
Related Content
RECENT COMMENTARY
Sunday, Jun 25, 2017
The Antiquities Act does not give a president the authority to revoke a national monument from a previous administration, but a sitting president can change the boundaries of a national monument. Under congressional authority, Congress can also convert a national monument to a national park, which has been done on several occasions.
Thursday, Jun 22, 2017
Hooded orioles must be the most beautiful birds you can see in your backyard. They will be here until the third week of August, so catch a glimpse while you can.
Tuesday, Jun 20, 2017
Did you know the America’s Job Center of California at College of the Canyons is a FREE resource to help your business find the employees that it needs?
Monday, Jun 19, 2017
The Cadiz Project aims to provide a supplemental supply and storage opportunity in Southern California for local water agencies by conserving water presently lost to high-salinity and evaporation at dry lake playas that serve as the only outflow pf a 1.300-square-mile desert watershed.
Sunday, Jun 18, 2017
If you hope to live longer, you might consider a big move to Minnesota or Wisconsin, or you might choose an easier path to health by improving your odds where you live.
Friday, Jun 16, 2017
If you have Medicare as well as other insurance, always be sure to tell your doctor, hospital and pharmacy. This is important because it determines whether your medical bills are paid correctly and on time.

Latest Additions to SCVNews.com
The Antiquities Act does not give a president the authority to revoke a national monument from a previous administration, but a sitting president can change the boundaries of a national monument. Under congressional authority, Congress can also convert a national monument to a national park, which has been done on several occasions.
The Scoop on National Monuments | Commentary by Dianne Erskine-Hellrigel
1859 - Outlaw Tiburcio Vasquez escapes from prison while serving sentence for grand larceny in L.A. County; recaptured in August and sent to San Quentin [story]
1980 - Saugus Train Station relocated to Heritage Junction [story]
Tonight on SCV NewsBreak, the Santa Clarita Deputies’s Commercial burglary operation caught two suspects. Plus, the Saxtravaganza returns to Hart Hall. Watch these stories and more on tonight's edition of SCV NewsBreak.
SCV NewsBreak for Friday, June 23, 2017
The California Wilderness Coalition applauds Rep. Judy Chu for introducing legislation to protect more than 31,000 acres of Wilderness and nearly 46 miles of Wild and Scenic Rivers in southern California’s San Gabriel Mountains.
House Bill Would Protect Portions of Angeles National Forest
Los Angeles County’s cannabis regulation efforts have entered an important new phase with the convening of a diverse advisory group made up of health and policy experts, community leaders, cannabis industry representatives and other key stakeholders.
L.A. County Cannabis Advisory Team Begins Work in June
An al-Qaida in the Arabian Peninsula senior leader was killed in Yemen’s Shabwah governorate by a June 16 U.S. airstrike, U.S. Central Command said in a release.
Senior al-Qaida Leader Killed by U.S. Airstrike
California Attorney General Xavier Becerra has announced that California will prohibit state-funded and state-sponsored travel to Alabama, Kentucky, South Dakota and Texas based on discriminatory legislation enacted in each state.
California Prohibits State-Funded Travel to Four States
Circle of Hope is growing. In an effort to expand the scope of the nonprofit's aid to local cancer sufferers, the originally breast-cancer-only organization added additional cancers to its Client Advocacy Program over the past few years, including the most recent, malignant melanoma.
Circle of Hope Announces New Logo
Princess Cruises has announced that Yao Ming and his wife, Ye Li, will serve as Inaugural Cruise Ambassadors for Princess Cruises in China and officially name the new Majestic Princess during a ceremony and gala celebration.
Princess Cruises to Name Inaugural Cruise Ambassadors in China
The Moorpark Unified School District is very pleased to announce the employment of Ms. Anne Gibson as Assistant Superintendent of Business Services.
SCV Resident Named a Moorpark Assistant Superintendent
Burglary suppression operations helped Santa Clarita deputies nab a pair of alleged burglars breaking into a Valencia realty office Friday, officials said.
Two Suspects Arrested During Burglary Suppression Operations
According to the South Coast Air Quality Management District, air quality will be unhealthy for sensitive individuals in East San Gabriel Valley, San Gabriel Mountains and Santa Clarita Valley tomorrow, Saturday, June 23.
Air Quality Advisory Issued for SCV
The Los Angeles County Health Officer has issued a heat alert as high temperatures have been forecast for the Santa Clarita Valley on Sunday, June 25, and Monday, June 26.
High Heat Alert for SCV Sunday and Monday
Nearly a dozen productions including commercials, features, TV shows and a student project are shooting in Santa Clarita next week.
Filming in SCV June 26-July 2: Commercials, Features, TV
As the Fourth of July approaches, the city of Santa Clarita, the SCV Sheriff’s Station and the County Fire Department want to send the clear message that the city has zero tolerance for fireworks.
Santa Clarita Has Zero Tolerance for All Fireworks
Rep. Steve Knight (CA-25), along with Rep Marcy Kaptur (OH-09), introduced legislation, H.R. 3033, the Aeronautics Innovation Act of 2017, which would create funding and programmatic stability for NASA.
Knight Introduces Aeronautics Innovation Act of 2017
Organizers of the 5th annual SCV Walk to End Alzheimer’s on October 7 are seeking additional sponsorships from Santa Clarita Valley companies and business owners.
Business Sponsorships Sought for SCV Walk to End Alzheimer’s
Here's a roundup of crimes now being investigated by Santa Clarita Valley Sheriff’s Station detectives in Newhall, Zone 3:
Blotter: Newhall, Zone 6 – 06/12/17 to 06/18/17
Agenda for the Santa Clarita City Council's regular meeting at City Hall on Tuesday, June 27, starting at 5:30 p.m.
June 27: Santa Clarita City Council Regular Meeting
Agenda for the Santa Clarita City Council's Special Meeting, City Hall Chambers, Tuesday, June 27 at 5:30 p.m.
June 27: Santa Clarita City Council Special Meeting
Agenda for the Arts Commission Study Session June 26 at 6:30 p.m. in the Century Room at City Hall.
June 26: Agenda for Arts Commission Study Session
The Lancaster JetHawks hit three home runs and took a 7-5 lead to the ninth, but the Rancho Cucamonga Quakes rallied for an 8-7 victory to open the season's second half on Thursday night at The Hangar.
JetHawks Drop Second Half Opener to Quakes Thursday
Stevenson Ranch: Zone 3, Public Safety Report for the week of 06/12/17 to 06/18/17.
Crime Blotter: Burglary, Vandalism in Stevenson Ranch
1946, 11:20pm: William S. Hart, 81, dies at L.A.'s California Lutheran Hospital, leaving his Newhall home and 80-acre estate to L.A. County [story]
June 30 is the deadline for Santa Clarita residents to submit entries to the city's quarterly photo contest.
June 30: Last Day to Enter City’s Summer Photo Contest
Tonight on SCV NewsBreak, a road rage incident is caught on camera. Plus, local deputies work on a crime suppression operation. Watch these stories and more on tonight's edition of SCV NewsBreak.
SCV NewsBreak for Thursday, June 22, 2017
Olympian Alysia Montaño, a graduate of Canyon High School and a seven-time national champion, is competing in the 2017 USATF Outdoor Championships as she did in 2014 -- while pregnant.
Olympian Alysia Montaño Races Pregnant for a Second Time
A road rage incident on Highway 14 near Newhall Avenue Wednesday morning resulted in a two-car crash and a motorcyclist who remains at large, according to CHP officials.
CHP Seeks Motorcyclist in Road Rage Crash
While Mark Bradford and Sharon Lockhart represent the United States and Poland, respectively, in the prestigious Venice Bienniale (La Biennale di Venezia), two other CalArtians' work is also on view there.
CalArtians Danz and Rosero in 57th Biennale International Art Exhibition
CalArts has named Dimitri Chamblas, former artistic director of the Paris Opera’s creative digital platform 3rd Scene, as the new Dean of The Sharon Disney Lund School of Dance.
CalArts Names Dimitri Chamblas Dean of Lund School of Dance
Los Angeles County supervisors have scheduled a special meeting on Monday, June 26, to consider final approval of the county's $30 million-plus 2017-18 budget.
June 26: County Weighs Budget, Expecting State and Federal Cuts
Bond oversight legislation authored by California State Senator Scott Wilk (R-Antelope Valley) has been given the thumbs-up by the Assembly Education Committee.
Wilk School Bond Oversight Bill Clears Assembly Policy Committee
Air quality will be unhealthy for all individuals in the Santa Clarita Valley and for sensitive individuals in the East San Gabriel Valley and San Gabriel Mountains tomorrow, June 23.
SCV Air Quality Bad on Friday
Castaic residents attending a Town Council meeting expressed their anger over a Taco Bell fast-food restaurant on The Old Road that already has a foundation.
Castaic Residents Angry About New Taco Bell on The Old Road
Responding to a spike in drug overdoses in the Santa Clarita Valley, Bob Sharits of The Way Out Recovery brought together a group of treatment providers to address mental health and addiction treatment during a meeting on Thursday.
Addiction Recovery Providers Meet at Way Out Recovery to Discuss SCV Overdoses