How to get reimbursed for payments you made
In most cases when you visit the doctor your Medicare and supplemental insurance will be billed by your physician. The first step is to make sure that you see a doctor who takes and the supplemental insurance that you have. If you ever have to file a claim online, this will make that process a lot easier. When you have chosen the correct Doctor and you need to file a claim there will be very little for you to do. In a few specific instances, you might have to file the claim yourself, and in these situations you will need to make sure that you are reimbursed from your supplemental insurance or from Medicare.
If you do not yet have a Medicare supplemental insurance plan, this might be the best time to take a look at some of the policies here on our website. If you already have Medicare, you probably have already noticed that it will not pay for all your medical bills in full. If this is your situation, you will want to find a helping hand anywhere that you can. Medicare supplemental insurance can be that helping hand, you will finally be able to pay for many of those costs that Medicare does not cover. If you are seeing the doctor more regularly as you grow older, this will not only be a helpful advantage, but it will become a necessity.
The time it takes to get reimbursed
If your doctor does not accept Medicare then chances are he or she will not accept your Medicare supplemental insurance either. When this is the case you have to pay for your visits to the doctor out-of-pocket. Even if this does happen it doesn’t mean that you are completely responsible for the payment. You can still file a claim post-visit with your Medicare provider after you have obtained your supplemental insurance. Of course this option will be a little bit more complicated than having supplemental insurance before your visit, but if you are just coming to this website and you need to pay for a past medical visit that Medicare did not cover, then you have options.
In the future, should you not have supplemental medical insurance; you will actually have to pay for the visit before you have any work done. You will pay the high rates that doctor’s charge within their office rather than paying the rate that Medicare would pay. When it comes time for you to get reimbursed you only get reimbursed for the amount that Medicare pays that specific doctor’s office. This means that if you see a doctor who actually charges more than what Medicare is willing to pay all that money will have to come right out of your pocket. It is with supplemental insurance that you can get that extra fee covered.
Once you have already seen your doctor it will be time to contact your Medicare representatives as well as the representative from your supplemental insurance company and speak with them about how you need to file your claim. Each Medicare supplemental insurance provider is different in the way they approach claims.
Some will require you to file the claim while others will do it for you. Once the claim has finally been filed, you will receive a check from Medicare as well as your supplemental insurance provider. Obviously this takes time to process, so it is best to avoid the whole hassle by initially finding a doctor that takes Medicare and supplemental insurance.
As you can see from this article, getting reimbursed for payments can be a stressful endeavor. Like most things in life you want to make the process as smooth as possible and the best way to do that is by not going to doctors who will not accept your coverage. If you have no choice but to see a doctor who does not accept the specific type of insurance that you carry, just bear in mind that after the visit you will have options. When the time comes to file your claim the best place to look for instructions would be on your insurance company’s website. For the most part there will be specific instructions that will help guide you step-by-step through the process of filing a claim through their interface.
In the end the most pragmatic step is to be prepared and do your research early. This website is specifically designed to help you do just that. Feel free to use our easy to use interface and search side-by-side comparisons of the best supplemental insurance for your specific needs.