If you have Medicare and another health insurance or coverage, each type of coverage is called a “payer.” When there is more than one payer, there are “coordination of benefits” rules that decide which one pays first. Your primary payer will pay their portion, then send the bill on to the second payer, and so on.
Some Things to Consider
- Your primary payer only pays up to the limits of its coverage.
- Your secondary payer (which may be Medicare) only pays if the primary did not cover the entire bill.
- The secondary payer may not pay all of the uncovered costs.
- If your employer insurance is the secondary payer, you may need to enroll in Medicare Part B before your insurance will pay
- Tell your health care providers if you have secondary coverage so that they can send your bills to the correct payer and avoid delays.