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How does the Original Medicare Plan work?
The Original Medicare Plan is a fee-for-service plan that is managed by the Federal Government. The general rules for how the Original Medicare Plan works are below:
- If you have Medicare Part B, you get all the medically-necessary and preventive Part B-covered services listed under Part B Helps Cover .... You usually pay a monthly Premium for Part B (see Your 2007 Monthly Premiums for Medicarefor the 2007 amount).
- You can go to any doctor, supplier, hospital, or other facility that is enrolled and accepts Medicare and is accepting new Medicare patients.
- You pay a set amount for your health care (Deductible ) before Medicare pays its part. Then, Medicare pays its share, and you pay your share (Coinsurance or Copayment ) for covered services and supplies.
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- You may have a Medigap Policy or other supplemental coverage that may pay deductibles, coinsurance, or other costs that aren't covered by the Original Medicare Plan.
- Every three months, you get a Medicare Summary Notice (MSN) in the mail if you got a Medicare-covered health care service during that period. The notice lists the details of the services you received and the amount you may be billed. These notices are sent by companies that handle bills for Medicare. If you disagree with the information on the MSN, you can file an Appeal . Information on how to appeal is included on the notice. For more information about the MSN, visit www.medicare.gov on the web and select "Medicare Billing." Or, call 1-800-MEDICARE (1-800-633-4227) and say "Billing."
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(Primary Source: Centers for Medicare and Medicaid Services - Medicare and You Handbook 2007. This content may have been added upon by Q1Group LLC to include further examples, explanations, and links.)
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Last updated on: 07/05/2009
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Life Insurance plays an important role in your families financial stability.
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