Question (medical, plan, hospital, doctor)

[AADAD]

If a person has private insurance through employerand also has medicare A/B how will the payments to hospital and doctors be paid?

[reed303]

It depends on several factors.

Medicare explains the options here:

https://www.medicare.gov/supplements...ther-insurance

Also your employer should be able to explain how their specific plan works with Medicare.

[Travelassie]

Originally Posted by AADAD

If a person has private insurance through employerand also has medicare A/B how will the payments to hospital and doctors be paid?

We have Medicare A/B as our primary insurance and a secondary insurance under my husband's employer. He is a retired federal employee and our secondary insurance is the
federal employees BC/BS plan. Our medical providers (all take Medicare assignment) bill Medicare directly, and Medicare pays its (80% of its predetermined reasonable and customary rates), and sends the bill on to BC/BS (through its coordination of benefits department), and this insurance sends its portion of the payment directly to the provider.

It may differ if you are still working and your employer insurance is primary with your Medicare secondary. I'd say the mechanism of payment in that case would vary with the insurance and the employer. So its probably best to direct questions to them.

[Hemlock140]

I have it thru work and only part A. With several hospitalizations for as long as 3 weeks and surgery over the last year, Medicare has paid exactly 0. Both in 2019 and now 2020 I have met my annual out-of-pocket for my employer plan by February, no bills after that ($1,800 last year, 2,000 this year).