Medicare and Caregivers

Frequently Asked Questions

14. If a person with Medicare is covered by another health insurance plan, who pays?

When a person with Medicare is covered by more than one health insurance plan, there are rules about whether Medicare or the other insurer pays health care bills first. This is called "coordination of benefits." Sometimes, the other health insurance pays the person's health care bills first, and the person's Original Medicare Plan or Medicare Advantage (MA) Plan pays second.

Other insurance that may pay first includes an employer's or union's group health plan coverage, no-fault insurance, liability insurance, black lung benefits, or workers' compensation.

If the person has other insurance, it is important to tell his or her doctor, hospital, and pharmacy so that the bills get paid correctly.