Medicare prescription drug coverage is available to individuals enrolled in Medicare. Some group
health plans condition eligibility on an employee or dependent not being enrolled in Medicare. Medicare has special rules that apply to
beneficiaries who have group health plan coverage through their own or their spouse's current employment. Group health plans of employers with 20 or more employees must offer these people the same health insurance benefits under the same conditions that
younger workers and spouses receive.
Medicare Secondary Payer
Medicare Secondary Payer (MSP) is the term used by Medicare when Medicare is not responsible for paying first. (The private insurance industry generally talks about "
Coordination of Benefits" when
assigning responsibility for first and second payment.)
The term "
Medicare Secondary Payer" is sometimes confused with
Medicare supplement. A
Medicare supplement (Medigap) policy is a
private health insurance policy designed specifically to fill in some of the "gaps" in Medicare's coverage when Medicare is the
primary payer. Medicare supplement policies typically pay for expenses that Medicare does not pay because of deductible or
coinsurance amounts or other limits under the Medicare program. (For more on Medicare supplement policies, please view “Choosing a
Medigap Policy”, a publication from the Centers for Medicare and Medicaid Services (CMS).)
visit: http://www.firststepfirst.co.in
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