Will my secondary insurance pay for my Medicare deductible and/or 20% coinsurance?
Beneficiaries who are enrolled in more than one insurance plan have more than one "payer," which means that "coordination of benefits" rules determine which payer pays first. The primary payer pays what it owes on your claim first while the secondary payer pays its part of the remainder of the claim.
Original Medicare, Part A and Part B, is considered a primary payer when a beneficiary does not have additional insurance.
Beneficiaries enrolled in Original Medicare may choose to enroll in a Medicare Supplement plan to fill in the gaps in coverage and cover some of the costs of care not covered through Original Medicare. Some Medicare Supplement plans cover the out-of-pocket costs associated with Original Medicare, such as deductibles and coinsurance payments. Therefore, some Medicare Supplement plans may pay for your deductible and/or your coinsurance and/or other out-of-pocket costs not covered by Original Medicare. Contact your Medigap plan directly to see if it covers these costs.