When is Medicare Primary or Secondary?


Medicare might be the only insurance for some people, but it is possible to be a beneficiary of Medicare and other types of insurance to help you cover out-of-pocket costs. When you are under more than one program, there is a planned arrangement of benefits, where one policy is the primary insurance and the other one is the secondary insurance. In most cases, the primary insurance pays your costs first, and the secondary insurance pays for other costs to prevent the policyholder from owing money. The extra costs covered by the secondary plan might include copayments or deductibles, but it may not.