Seven Medicare Mistakes to Avoid- Mistake # 3- Presenting your Provider with the Wrong ID Card – Part 2 by Allen Heffler

Presenting your Provider with the Wrong ID Card

The other case -of-the-presenting-the wrong-ID card relates to prescriptions. If you have a Medicare prescription plan, you receive your drug coverage through a Part D plan. Sometimes mistake can be made when a person presents their Medicare care or their Medigap card at the drug store for prescriptions. Or vice vesa, presenting their Medicare Part D ID card for items other than prescriptions.

Think of your Part D drug plan as a pharmacy card. You only use it at the pharmacy. So unless you are picking up a retail prescription, you generally won’t be presenting your Part D card for payment.

Two scenarios: Number 1. You have Medicare, a Medigap Plan and a seperate Part D (prescription) plan. Use your Part D card (NOT your Medigap card) for your prescriptions. Scenerio number 2: You have a Medicare Advantage Plan with Part D/prescriptions BUILT-IN. In this case, you will show your Medicare Advantage card that indicates Rx/Part D on that card.

Another question that often arises is which card to present for items such as test strips for diabetes or replacement parts for insulin pumps or CPAP machines. This is covered under Medicare Part B. You will present your Medicare and Medigap cards if you have Original Medicare/Medigap. If you have a Medicare Advantage plan, you will then present your Medicare Advantage card. 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.


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