If you already have a primary form of insurance through a private policy company you may be wondering how to get the extra expenses not covered taken care of by Medicare. There are a few different ways to see if you can get supplemental coverage, and many persons are available to help. In short, yes, sometimes Medicare will pay for secondary insurance. This only happens when you don’t have it as a primary form of insurance, otherwise it would be considered supplemental.
The answer lies in the administrative procedures of the Social Security system. To keep things separated they need to know exactly how you are covered through them. Knowing that you don’t have Medicare as primary insurance is important for them to cover you in a secondary manner. While sometimes Medicare will pay for secondary coverage, it will be up to you to apply and make sure you get it. Waiting till something happens where you need it won’t help either since it can take a long time to get approved for coverage.
Just selecting a secondary plan won’t help if it is too costly for your needs, or doesn’t offer the right amount of coverage. To determine what is right for you, you must look carefully at your private policy and see where there may be any weaknesses, after you have done this you will be able to look for the right policy with Medicare to pay for secondary insurance. Starting the process sooner than later will help to ensure that you will have coverage when you actually need to use it for care.