Presenting your Provider with the Wrong ID Card – Part 1
Let’s make sure we present the correct insurance card to the health care provider or facility. If you have decided to have Medicare as your primary coverage and a Medgap plan, you must show both of those cards (your red white and blue Medicare card and your Medigap card) to the doctor or facility at the time of service. Only showing one of those card will not do! However, what card do you show if you have a Medicare Advantage Plan? You ONLY show your ONE Medicare Advantage card. Remember, your Medicare Advantage plan essentially takes over all your health care needs. If you have a Medicare Advantage plan and show only your red white and blue Medicare card by mistake, all claims very well could be denied- since those claims must be processed by your Medicare Advantage Plan. Furthermore, if you have a Medicare Advantage Plan, you do not even need to carry your Medicare card-you can put it away in a safe place. So, depending on the coveerage you have, always remember which card or cards to present. Your spouse should be aware as well, in case of an emergency. While mistakes do happen, it is important to try to avoid them! Since even the most prepared person might encounter issues, it’s in your best interest to work with an independent Medicare broker who knows what they are doing when it comes to Medicare. We are here to help you every step of the way! Wouldn’t it be nice to have someone on your side with Medicare? Just call Allen Heffler – MyMedicareAdvisor at (215) 658-1776.