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Choosing best insurance and insurance at Mayo
Visiting Mayo Clinic | Last Active: Jan 18 12:42pm | Replies (36)Comment receiving replies
Retuning to the original question of what supplement plan does Mayo Clinic accept, I don’t think they really care about your supplement plan. Billing goes to Medicare and Medicare goes to the supplement. Having a supplement plan only suggests that you are covered if Medicare doesn’t pick up everything. Even with all that, you might still be liable for anything that can be remotely connected to dental or vision.
Just a disclaimer here, Advantage Plans are NOT Medicare.
Replies to "Retuning to the original question of what supplement plan does Mayo Clinic accept, I don’t think..."
There is big difference in supplements plans and advantage plans. The supplement plans pay after Medicare pays. I have BCBS Federal as secondary insurance that pays after Medicare pays. There is still an in Network and Out of Network requirement but my plan pays as long as the provider you are seeing accepts Medicare.
I set up an automatic crossover with Medicare. Thus when Medicare finishes paying their portion the automatically send that information to my secondary insurance BCBS federal. My EOB for BCBS then shows what Medicare paid and what BCBS paid. Important to remember the amount authorized to be charged is Medicare amount as primary payer thus BCBS is only responsible for the co-pays and deductibles for what Medicare authorizes to be charged.
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Medicare Advantage Plans incorporate private insurance companies such as Blue Cross/Blue Shield, Aetna, and others that contract with the Centers for Medicare (CMS) to provide health insurance. How does this work? You sign up for Medicare Part A (no cost to you) and also are required to sign up for Medicare Part B ($174.70/month). If you are getting Social Security, Part B is automatically deducted from your Social Security check. You find the Medicare Advantage Plan that works for you (this is called Part C). The Part B amount you pay via your social security is directed to the Medicare Advantage Plan you choose to provide your Medicare Advantage insurance.
And yes, these Medicare Advantage Plan companies blast us with ads, mailings, and the like this time of year because we are in the “Open Enrollment” period from Octover 15 to December 7. They want your money and they want to make a profit on your health care.
Compare Original Medicare & Medicare Advantage:
— https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/your-coverage-options/compare-original-medicare-medicare-advantage
So, bottom line is this. Traditional (Original) Medicare has been around for a long time. Medicare Advantage Plans came about later and both are available to you.