What's Medicare Supplement Insurance (Medigap)?
Medigap & Medicare Advantage Plans
Medigap & Medicare drug coverage (Part D)
Illegal Medigap practices
When can I buy Medigap?
Buying your Medigap policy
Switching Medigap policies
Dropping or losing Medigap
If you have Medicare and other health insurance or coverage, each type of coverage is called a "payer." When there's more than one payer, "coordination of benefits" rules decide which one pays first. The "primary payer" pays what it owes on your bills first, and then sends the rest to the "secondary payer" to pay. In some cases, there may also be a third payer.
What it means to pay primary/secondary
If the insurance company doesn't pay the claim promptly (usually within 120 days), your doctor or other provider may bill Medicare. Medicare may make a conditional payment to pay the bill, and then later recover any payments the primary payer should've made.
Find out which insurance pays first.
Call the Benefits Coordination & Recovery Center (BCRC) at 1-855-798-2627 (TTY: 1-855-797-2627) if:
What's a conditional payment?
A conditional payment is a payment Medicare makes for services another payer may be responsible for. Medicare makes this conditional payment so you won't have to use your own money to pay the bill. The payment is "conditional" because it must be repaid to Medicare if you get a settlement, judgment, award, or other payment later. You’re responsible for making sure Medicare gets repaid from the settlement, judgment, award, or other payment.
How Medicare recovers conditional payments
If Medicare makes a conditional payment, and you or your lawyer haven't reported your settlement, judgment, award or other payment to Medicare, call the Benefits Coordination & Recovery Center (BCRC) (BCRC) at 1-855-798-2627 (TTY: 1-855-797-2627).
The BCRC will gather information about any conditional payments Medicare made related to your settlement, judgment, award or other payment. If you get a payment, you or your lawyer should could the BCRC. The BCRC will calculate the repayment amount (if any) on your recovery case and send you a letter requesting repayment.