How to avoid Medicare Part B Excess Charges

Medicare Supplement Plan N does not cover Medicare Part B excess charges. What is excess charges and how do I prevent a bill for excess charges?

DEFINITION: For an Original Medicare enrollee, the excess charge is the difference between a providers fee for service and what Medicare has approved as payment for that service. If a provider accepts Medicare, but does not accept Medicare assignment, providers are allowed to charge up to an additional 15% over and above what Medicare has approved.

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What you can do to protect yourself against Part B excess charges?

The easiest way to protect yourself from excess charges is to only use physicians who accept Medicare assignment (Medicare’s price). Then you know you will never be billed more than Medicare allows for your healthcare services. It’s always a good idea to ask your doctor if he or she accepts assignment before you make an appointment. Don’t forget you need to ask the same question of any Medicare provider, such as lab facilities, home health care companies, etc. Again, all you must do is ask the provider:

“DO YOU ACCEPT MEDICARE ASSIGNMENT or PRICE?”

 

Medicare.gov physician locator tool.

If you have internet access Medicare.gov tells you if your provider accepts Medicare assignment

Click the link above to find a provider in your area that accepts Medicare Part B assignment.

A provider that accepts Medicare assignment will be shown as seen below.

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