circular wrote:It sounds like you have one of the versions of a Medicare supplement policy. What they cover is standardized across the companies that sell them, and there are different MS policies going by letter designation that supplement different Medicare benefits. While the coverage will be identical across companies, making premium comparisons worthwhile, I'd forgotten that some companies work seamlessly with Medicare while others don't. I believe the term used for that administrative benefit is Automatic Claims Processing (or similar). The AARP Medicare Supplement plans with United Healthcare have it. The providers bill Medicare, Medicare makes their determination and then if a balance is still due sends their statement directly to the Medicare Supplement company for handling the balance. My mom has the most comprehensive Medicare supplement policy, so I'm not sure, if the Medicare Supplement policy is one that doesn't cover everything, how or when the patient's portion gets paid (up front to be reimbursed or at the back end when the exact patient contribution is known). The automatic claims processing and customer service with AARP UnitedHealthcare is very good. I just seem to have a hitch at the provider level getting reimbursement. The doctors are wonderful and I'm sure they have no clue they're getting paid twice for my mother.
What's Medicare Supplement Insurance (Medigap)?
It sounds like at least you're getting the coverage you need, even if there are some logistical hiccups which are bound to occur under any setup.
Nords wrote:This post is about my Dad.
This background helps explain my later posts about our caregiver experience and our mistakes. The next post will give more links to caregiver resources.
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