When you have both Medicare and employer-based coverage, Medicare will either pay primary or secondary for your medical costs. When Medicare is primary insurance, Medicare pays for your medical bills first. When Medicare is the secondary insurance, Medicare pays after the employer-based coverage pays . Usually, secondary insurance pays some or all of the costs left after your primary insurance has paid (for example, deductibles and copays).
This month’s Medicare Minute (courtesy of the Medicare Rights Center) addresses these and other questions:
How does Medicare work with job-based insurance?
What are the differences between primary and secondary insurance?
How does Medicare work with retiree insurance and COBRA coverage?
To read or download it, click here — Medicare and Employer-based Coverage.