To Collect Or Not To Collect

Medicare patients will insist that they should not be required to pay any portion of the plan deductible because in addition to Medicare they also have a Medigap plan that will pick up all eligible charges, including the plan deductibleHowever, this may not necessarily be true.

The Medigap plan type is critical to helping you understand if you should collect the remaining portion of the $183.00 deductible upfront.

  1. First - contact the health plan to determine what portion of the plan deductible is still outstanding. 
  2. Second - contact the Medigap plan to determine the plan type. 

Use the Medigap plan type guide below to help you determine if you should collect or not.

  • Plan A - Does NOT pick up the Medicare deductible. Collect in full, upfront.
  • Plan B - Does NOT pick up the Medicare deductible. Collect in full, upfront.
  • Plan C - Picks up the Medicare deductible, DO NOT collect upfront.
  • Plan D - Does NOT pick up the Medicare deductible. Collect in full, upfront.
  • Plan F - Picks up the Medicare deductible, DO NOT collect upfront.
  • Plan G - Does NOT pick up the Medicare deductible. Collect in full, upfront.
  • Plan  K - Does NOT pick up the Medicare deductible. Collect in full, upfront.
  • Plan L - Does NOT pick up the Medicare deductible. Collect in full, upfront.
  • Plan M - Does NOT pick up the Medicare deductible. Collect in full, upfront.
  • Plan N - Does NOT pick up the Medicare deductible. Collect in full, upfront.

Only patients with Medigap plans C & F should be excused from paying the remaining deductible upfront. 

Note: The $183.00 represents the 2017 deductible and just like Medicare plans the Medigap plan could change every year - so do your due diligence. 

Source: cms.gov


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