Dash man
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
This is from post #59:
With Plan N, there is an up to $20 copay for office visits. Doesn’t apply to Imaging or lab work. There is a $50 emergency room copay unless you’re admitted. In January I was in the hospital for four days under “observation” and technically not admitted. I had to pay the $50 and three $20 copays for doctor visits.
Plan N also has this thing called “Excess Charges” that some people are afraid of, but it’s really not a big deal. 98% of doctors accept Medicare payments. The 2% that don’t can charge excess charges where Medicare will only pay them 95% of the Medicare rate, the the doctor can add up to 15% more, so it works out to a maximum of 109.25% for the entire bill, or 9.25% more than you would otherwise have paid. Medicare will not send the balance to your Medigap supplier, so the doctor will likely ask you to pay up front, so there wouldn’t be a surprise billing. Then you’d have to submit the bill for reimbursement. You can check the Medicare website in advance to see if a doctor accepts Medicare, and for an emergency they are not permitted to charge excess charges. I personally don’t know anyone who has actually run up against excess charges and seven states prohibit them. I don’t believe you need to worry about them.
With Plan N, there is an up to $20 copay for office visits. Doesn’t apply to Imaging or lab work. There is a $50 emergency room copay unless you’re admitted. In January I was in the hospital for four days under “observation” and technically not admitted. I had to pay the $50 and three $20 copays for doctor visits.
Plan N also has this thing called “Excess Charges” that some people are afraid of, but it’s really not a big deal. 98% of doctors accept Medicare payments. The 2% that don’t can charge excess charges where Medicare will only pay them 95% of the Medicare rate, the the doctor can add up to 15% more, so it works out to a maximum of 109.25% for the entire bill, or 9.25% more than you would otherwise have paid. Medicare will not send the balance to your Medigap supplier, so the doctor will likely ask you to pay up front, so there wouldn’t be a surprise billing. Then you’d have to submit the bill for reimbursement. You can check the Medicare website in advance to see if a doctor accepts Medicare, and for an emergency they are not permitted to charge excess charges. I personally don’t know anyone who has actually run up against excess charges and seven states prohibit them. I don’t believe you need to worry about them.