Understanding How Medicare Fits In with Other Health Insurance
In This Chapter
Mastering the concept of coordination of benefits
Knowing the score if you have health coverage from a current or former employer
Understanding how other federal benefits work with Medicare
Grasping how workers’ compensation and other insurance issues work with Medicare
Insurance for health care can come from a variety of different places as well as from Medicare. Let me count the ways: Medicaid, Medigap, a current or former employer or union, COBRA, the Federal Employees Health Benefits Program, TRICARE, Veterans Affairs, the Indian Health Service, the Federal Black Lung Benefits Program, workers’ compensation, and no-fault insurance or liability insurance. Phew — that’s quite a list!
So the question arises: What if you have two types of coverage — Medicare plus another? What if you have three types, four, or even more? How do your medical bills get paid? How does it all work together? In this chapter, I explain how Medicare works in conjunction with each of the types of insurance I listed ...