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Cost estimates before 2nd insurance is even billed?
Cancer | Last Active: Dec 14, 2025 | Replies (6)Comment receiving replies
@roch It's not the same as you, it's the 20% of the test not already paid by Medicare, that was approved. It's the 20% that my Medigap policy is contracted to pay. It ends up with a zero balance. Apparently Mayo's billing is not seeing the unpaid insurance amount BEFORE it drops the payment due. I already did the math and if Medicare paid, and charges were not declined, I will owe zero balance. Medigap policies only pay when Medicare has approved the charge according to the ICD code. Mayo accepts Medicare payment, and Medigap payments, they just always bill before they get the secondary payment.
Replies to "@roch It's not the same as you, it's the 20% of the test not already paid..."
@dwwaggoner, this must be frustrating and seems unnecessarily confusing. I agree with @roch. Please contact Billing Account Services to see what can be done.
Billing Account Service contact info: https://www.mayoclinic.org/billing-insurance/contact-us
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@dwwaggoner
Very odd that they would charge you before both policies are processed. I never get a bill until both are processed. Actually, after the deductible is met, I never get a bill. If I look at my billing details, it shows insurance processing.
I strongly recommend calling Patient Account Services at 1-844-217-9591 to verify that they have the correct information about your supplemental on file.
Your charges are being handled differently from mine, and it sounds like we have the same type of coverage.