Will my secondary insurance pay for my Medicare deductible and/or 20 percent 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 one pays first. The primary payer pays what it owes on your bills first while the secondary payer pays its part of the remainder of the bill.
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 their primary payer. 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 that serve as a secondary payer to your Original Medicare coverage will pay for your deductible and/or your coinsurance. Contact your plan directly to see if it covers these costs.
Medicare has neither reviewed nor endorsed this information.