Murph
Recycles dryer sheets
I'm going with either Aetna or Cigna Plan N in Ohio this July. For those of you with Plan N experience, how exactly does the whole process work once I have the coverage? Assume a scenario where I use a doctor or lab and I've exceeded the deductible amount on the first visit; I also assume that the doctor's office may request the $20 co-pay up front.
1. Do they bill Medicare directly for their 80%?
2. Do they bill the Medigap company directly for their share?
3. Do I pay them everything and then have to file claims with Medicare and/or the Medigap company?
4. (side question): Are the monthly premiums really billed separately by Medicare, the Medigap company, and Part D company? Seems like a lot of bother.
Thanks in advance!
1. Do they bill Medicare directly for their 80%?
2. Do they bill the Medigap company directly for their share?
3. Do I pay them everything and then have to file claims with Medicare and/or the Medigap company?
4. (side question): Are the monthly premiums really billed separately by Medicare, the Medigap company, and Part D company? Seems like a lot of bother.
Thanks in advance!