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11-21-2019, 10:29 AM
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#1
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Thinks s/he gets paid by the post
Join Date: Mar 2010
Location: Chicago
Posts: 1,154
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medicare question
Wife was sent for bloodwork that does not take medicare assignment. We are new to medicare and shame on them because we probably should have done it there. We were shocked when the facility told us we had to pay the cost of 400 dollars for the tests because they didn't do medicare. I believe the test were routine and have found out they probably wouldn't pay anyway. But we have a medigap plan also from mutual of omaha and thinking shouldn't they paying for what medicare is not?
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11-21-2019, 01:30 PM
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#2
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Thinks s/he gets paid by the post
Join Date: Feb 2003
Posts: 2,395
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A Medigap insurer only pays their portion of Medicare-approved expenses. If Medicare won't pay, Medigap won't. Think of Medigap as an adjunct to Original Medicare. Sorry...
__________________
-- Telly, the D-I-Y guy --
Two fools dancing on the hands of time
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11-21-2019, 01:47 PM
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#3
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Recycles dryer sheets
Join Date: Nov 2014
Location: Beautiful UP
Posts: 243
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Quote:
Originally Posted by ripper1;2328120[COLOR="Red"
]Wife was sent for bloodwork that does not take medicare assignment. We are new to medicare and shame on them because we probably should have done it there.[/COLOR] We were shocked when the facility told us we had to pay the cost of 400 dollars for the tests because they didn't do medicare. I believe the test were routine and have found out they probably wouldn't pay anyway. But we have a medigap plan also from mutual of omaha and thinking shouldn't they paying for what medicare is not?
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You say that wife went for blood draw at a place that doesn't accept Medicare/assignment. At the end of the highlighted you say "shame on them we probably should have done it there." Were you at one location(where the Dr that wrote the order practices) and went to another for the draw?
Also confused about you saying/believing the tests were routine but they probably wouldn't pay anyway.
Did they tell you at time of registration about not accepting Medicare/assignment or did they do the draw and then inform.
I'm a bit confused here.
As previous posted mentioned usually medigap won't pay is Medicare doesn't.
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11-21-2019, 01:57 PM
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#4
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Moderator Emeritus
Join Date: Apr 2011
Location: Conroe, Texas
Posts: 18,731
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The first thing I do when I go to a new medical facility is ASK if they take Medicare. If they say no, I leave.
__________________
*********Go Yankees!*********
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11-21-2019, 02:07 PM
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#5
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Moderator
Join Date: Feb 2010
Location: Flyover country
Posts: 25,362
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Quote:
Originally Posted by aja8888
The first thing I do when I go to a new medical facility is ASK if they take Medicare. If they say no, I leave.
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The first thing any medical facility asks me when I make an appointment is what insurance do I have. When I say Medicare, the normal response is "That's fine." If they said anything else I would go elsewhere.
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I thought growing old would take longer.
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11-21-2019, 02:07 PM
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#6
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,022
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Quote:
Originally Posted by aja8888
The first thing I do when I go to a new medical facility is ASK if they take Medicare. If they say no, I leave.
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Rather than ask if they accept Medicare I think a better/more accurate question to ask is "Do you accept Medicare assignment?" I'm concerned they can say yes to the "take Medicare" question and still bill for excess charges.
__________________
Numbers is hard
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11-21-2019, 02:08 PM
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#7
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2013
Location: Texas
Posts: 10,941
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Quote:
Originally Posted by aja8888
The first thing I do when I go to a new medical facility is ASK if they take Medicare. If they say no, I leave.
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+1, but I haven't had to walk out nor have I been surprised billed,,,,, Yet!
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11-21-2019, 02:16 PM
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#8
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Administrator
Join Date: Jan 2008
Location: Chicagoland
Posts: 40,726
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Quote:
Originally Posted by REWahoo
Rather than ask if they accept Medicare I think a better/more accurate question to ask is "Do you accept Medicare assignment?" I'm concerned they can say yes to the "take Medicare" question and still bill for excess charges.
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+1
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11-21-2019, 02:33 PM
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#9
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Moderator Emeritus
Join Date: Apr 2011
Location: Conroe, Texas
Posts: 18,731
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Quote:
Originally Posted by REWahoo
Rather than ask if they accept Medicare I think a better/more accurate question to ask is "Do you accept Medicare assignment?" I'm concerned they can say yes to the "take Medicare" question and still bill for excess charges.
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I have heard that "excess charges" billing will be not an issue after 12/31/19. I don't have any source, although I read this recently in a local publication. This may just be for Texas, though.
__________________
*********Go Yankees!*********
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11-21-2019, 02:35 PM
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#10
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Moderator Emeritus
Join Date: Apr 2011
Location: Conroe, Texas
Posts: 18,731
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Quote:
Originally Posted by REWahoo
Rather than ask if they accept Medicare I think a better/more accurate question to ask is "Do you accept Medicare assignment?" I'm concerned they can say yes to the "take Medicare" question and still bill for excess charges.
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Yeah, that'sw hat I meant. You guys are tough and I'm on pain pills right now.
__________________
*********Go Yankees!*********
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11-21-2019, 02:38 PM
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#11
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,022
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Quote:
Originally Posted by aja8888
I have heard that "excess charges" billing will be not an issue after 12/31/19. I don't have any source, although I read this recently in a local publication. This may just be for Texas, though.
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Hope it is accurate but I haven't seen anything about Medicare excess charges in TX. Wasn't there some state legislation on "surprise billing" relating to out-of-network insurance charges? Could this be what you read about?
__________________
Numbers is hard
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11-21-2019, 02:39 PM
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#12
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,022
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Take it easy - and maybe take a nap.
__________________
Numbers is hard
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11-21-2019, 02:46 PM
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#13
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Moderator Emeritus
Join Date: Apr 2011
Location: Conroe, Texas
Posts: 18,731
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Quote:
Originally Posted by REWahoo
Hope it is accurate but I haven't seen anything about Medicare excess charges in TX. Wasn't there some state legislation on "surprise billing" relating to out-of-network insurance charges? Could this be what you read about?
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Yes, that was it. I do need a nap......
__________________
*********Go Yankees!*********
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11-21-2019, 03:25 PM
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#14
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Thinks s/he gets paid by the post
Join Date: Mar 2010
Location: Chicago
Posts: 1,154
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Quote:
Originally Posted by jimandthom
You say that wife went for blood draw at a place that doesn't accept Medicare/assignment. At the end of the highlighted you say "shame on them we probably should have done it there." Were you at one location(where the Dr that wrote the order practices) and went to another for the draw?
Also confused about you saying/believing the tests were routine but they probably wouldn't pay anyway.
Did they tell you at time of registration about not accepting Medicare/assignment or did they do the draw and then inform.
I'm a bit confused here.
As previous posted mentioned usually medigap won't pay is Medicare doesn't.
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We just messed up as I see it now. Should have asked that the outside lab took medicare first. Live and learn.
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11-21-2019, 04:05 PM
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#15
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Dec 2014
Location: Huntsville, AL/Helen, GA
Posts: 6,002
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My pet peeve is getting a bill for a medical test, emergency room doctor, anesthesiologists or pathologists that doesn't accept my Medicare supplement.
In many places, emergency room doctors are just slave labor working for whatever they can squeeze out of insurance companies and patients. Many are not hospital employees of any kind. Pathologists often work for hospitals managing laboratories, but test reading is a sideline personal business of theirs. Same with radiologists.
Doctors' offices should know which insurance plans get sent to different medical laboratories, and have samples sent to the right place. On any test you get stuck paying, it never hurts to beg--and negotiate the payment.
On Emergency Room physicians, pathologists and anesthesiologists, it doesn't hurt to negotiate. But don't pay'em and they'll assign you to a collection agency that reports you to the credit bureaus and down goes your FICO score. It might affect your insurance rates and ability to borrow $ (if needed.)
Just ask on front end if the doctors and labs accept your insurance plan. Unfortunately when you're in distress from an accident or major ailment, asking questions is not the first thing on your mind.
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11-22-2019, 07:24 AM
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#16
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Thinks s/he gets paid by the post
Join Date: Oct 2008
Posts: 2,796
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Quote:
Originally Posted by Bamaman
My pet peeve is getting a bill for a medical test, emergency room doctor, anesthesiologists or pathologists that doesn't accept my Medicare supplement.
...... Doctors' offices should know which insurance plans get sent to different medical laboratories, and have samples sent to the right place. On any test you get stuck paying, it never hurts to beg--and negotiate the payment.
On Emergency Room physicians, pathologists and anesthesiologists, it doesn't hurt to negotiate. But don't pay'em and they'll assign you to a collection agency that reports you to the credit bureaus and down goes your FICO score. It might affect your insurance rates and ability to borrow $ (if needed.)
Just ask on front end if the doctors and labs accept your insurance plan. Unfortunately when you're in distress from an accident or major ailment, asking questions is not the first thing on your mind.
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Bamaman, I thought being on Medicare with a Supplement was how one avoided all this stress! (As opposed to being on a Medicare Advantage plan). You are bumming me out. I am on a MA plan now, and I have all that stress as well, but was keeping Supplement in the back of my mind as a future option.
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11-22-2019, 07:29 AM
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#17
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,022
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Quote:
Originally Posted by Bamaman
My pet peeve is getting a bill for a medical test, emergency room doctor, anesthesiologists or pathologists that doesn't accept my Medicare supplement.
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I'm confused, is this a typo? If the medical provider accepts Medicare assignment they also accept your Medicare supplement.
__________________
Numbers is hard
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11-22-2019, 07:30 AM
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#18
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Moderator Emeritus
Join Date: Apr 2011
Location: Conroe, Texas
Posts: 18,731
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Quote:
Originally Posted by REWahoo
I'm confused, is this a typo? If the medical provider accepts Medicare assignment they also accept your Medicare supplement.
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That's the way it's worked for us for 10 years now.
__________________
*********Go Yankees!*********
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11-22-2019, 07:37 AM
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#19
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Thinks s/he gets paid by the post
Join Date: Apr 2013
Location: Gosport, IN
Posts: 1,218
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We have used several lab locations for blood draw and not one has said they don't accept medicare assignment. Maybe OP took DW to a private testing lab? We have one by us that's called, (any lab test now), and they probably don't take medicare.
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11-22-2019, 07:56 AM
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#20
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Thinks s/he gets paid by the post
Join Date: Aug 2014
Location: Chicago West Burbs
Posts: 3,020
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If any Dr or facility accepts Medicare patients and/or Medicare assignment, I didn't think they have the option of denying service based on the supplement plan, either provider or Plan letter. Perhaps they have mistaken your reply to be a Medicare Select Supplement Plan in which they may not in that plan. In that case, Medicare would still pay their 80% and you would be on the hook for the remaining 20%.
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