What Are Medicare Excess Charges?
Imagine this: You’re checking out of the doctor’s office and the doctor's charge is 15 percent more than the Medicare rate. What happened? Is this a mistake?
Many seniors have been in similar situations. No, it’s not a mistake. In Original Medicare, your Part B costs, after the deductible is met, depend in part on what type of provider you see. A participating provider agrees to accept Medicare's approved amount for health care services, and bills Medicare directly for your services. This is called taking assignment. Your coinsurance when using a participating provider is generally 20% of Medicare-covered services.
A non-participating provider accepts Medicare but does not agree to accept Medicare's approved amount in all cases. Non-participating providers can charge up to 15% more than the Medicare approved amount for the cost of services provided, on a claim by claim basis. For some claims, you may be responsible for your 20% coinsurance plus a 15% excess charge on the Medicare-approved amount for covered services. Excess charges are not allowed in some states.
Be sure to ask your doctor's office if your provider is Medicare participating or non-participating. There are Medicare Supplement insurance plans that provide a benefit to cover excess charges if you see a non-participating provider. Contact a licensed insurance agent for more information on which Medicare Supplement insurance plan to choose for excess charges coverage.
Your style is your choice. Shouldn't your doctor and your coverage be, too?
Coverage of your choice with doctors of your choice are included with plans that don't restrict you to networks of specialists.
The purpose of this communication is the solicitation of insurance. United American Insurance Company is not connected with, endorsed by, or sponsored by the U.S. government, federal Medicare program, Social Security Administration, or the Department of Health and Human Services. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement insurance policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSHDG, MSK06R, MSL06R, MSN10 and in WI, MC4810 and MC4810HD, MC4810HDG are available from our Company where state-approved. Some states require these plans be available to persons under age 65 eligible for Medicare due to disability or End Stage Renal disease (ESRD). You may be contacted by an agent or producer representing United American Insurance Company, PO Box 8080, McKinney, TX 75070-8080. OUTLINE OF COVERAGE PROVIDED UPON REQUEST.
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