If I have Medicare and other health coverage, who pays first?

This issue comes up when an individual is eligible for Medicare, but also has other coverage. It's known as "coordination of benefits." The answer is, it depends on the type of coverage you have.

For example, if you have Medicare and Medicaid, then Medicare always pays first. Medicaid would only pay the amount remaining after Medicare pays for it's share.

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Can I have Medicare and a Marketplace policy?

Generally, no. It's illegal to sell you a marketplace policy if you have Medicare. Section 1882(d) of the Social Security Act makes it illegal to knowingly sell duplicate coverage to a Medicare beneficiary.

If you already have a marketplace policy before you sign up for Medicare, then you can keep your marketplace policy. However, any tax credits you were receiving will end when your Medicare Part A coverage begins. That means you'll have to pay the full price for your marketplace plan.

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What does Medicare cover?

Does Medicare pay for all of my health care?

No. Medicare only pays for covered goods and services. In fact, there are many co-pays and deductibles. The 2016 co-pays are at the following link: https://www.medicare.gov/your-medicare-costs/costs-at-a-glance/costs-at-glance.html. The 2017 numbers have not been finalized yet, but when they are, they should be posted at the same link. Most individuals who purchase a Medicare Supplement will have the co-pays and deductibles covered by the supplement. You can learn more about Medicare Supplements at https://www.medicare.gov/supplement-other-insurance/medigap/whats-medigap.html 

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When can I enroll in Medicare?

When can you get Medicare? You can sign up for Medicare during the initial enrollment period, which begins 3 months before the month you turn 65, continues through the month you turn 65 and for an additional three months thereafter. In other words, the initial open enrollment period is 7 months. If you do not enroll in Medicare during the initial enrollment period, then you must wait for a special enrollment period, or for the annual open enrollment period. Special enrollment period includes time while you’re covered by an employer provided health insurance policy, or during the 8 month period after employment ends or after employer provided health coverage ends. The annual open enrollment period is from January 1, through March 31, with coverage beginning on July 1.

https://www.medicare.gov/sign-up-change-plans/get-parts-a-and-b/when-sign-up-parts-a-and-b/when-sign-up-parts-a-and-b.html

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Medicare Covered Home Health Services

Medicare Home health services

How often is it covered?

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