If you have Medicare and other health insurance or coverage, each type of coverage is called a "payer." When there's more than one payer, "coordination of benefits" rules decide which one pays first. The "primary payer" pays what it owes on your bills first, and then sends the rest to the "secondary payer" to pay. In some cases, there may also be a third payer.
Advantages to Use a Certified Experienced Agent
Agents that sell Medicare Health Insurance products must have national certification to even talk to you about Medicare Insurance, and they must go through training with each carrier they represent. It is always best to seek out an independent agent that represents many companies because independent agents offer more coverage choices for their clients.
Agents are paid directly by the insurance company, therefore, there is no additional cost to you. Also, the agent will be there for you when you have claim issues or questions regarding the insurance plan you have chosen.
Things to Remember During Open Enrollment
- Review your current plan to make sure it still fits your needs
- Check out other options and plan design pricing
- Are you planning any foreign travel? There are coverage limitations if you plan to travel outside the US.
- To get Medicare drug coverage, you can join a stand-alone Part D plan at this time.
- Under healthcare reform, exchanges have been established. These are not designed for Medicare participants.
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