Medicare Blog

how to get help understanding a medicare claim problem

by Zachariah Ebert Published 2 years ago Updated 1 year ago
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Medicare-related inquiry or complaint but still need help, ask the 1-800-MEDICARE representative to send your inquiry or complaint to the Medicare Ombudsman’s Oce. The Medicare Ombudsman’s Oce helps make sure that your inquiry or complaint is resolved. The Competitive Acquisition Ombudsman

Call 1-800-MEDICARE
For questions about your claims or other personal Medicare information, log into (or create) your secure Medicare account, or call us at 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.

Full Answer

How do I contact Medicare about a claim?

For questions about your claims or other personal Medicare information, log into (or create) your secure Medicare account , or call us at 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048. What state do you live in?

How do I get help with Medicare questions?

You can call 1-800-MEDICARE and speak with a representative to ask questions about Medicare or get help resolving problems with Medicare. We made a test call to this number and was greeted by a polite Medicare representative after being on hold for about 90 seconds.

Where can I get help understanding my Medicare Rights?

If you need help understanding your Medicare rights and how to exercise them, there is free information and assistance that you can access. Below are examples of places you can get help: State Health Insurance Assistance Program (SHIP) – Each state offers a SHIP, partly funded by the federal government, to give you free counseling and assistance.

Do I need to file a Medicare claim?

You should only need to file a claim in very rare cases. Check your claim status with your secure Medicare account, your Medicare Summary Notice (MSN), your Explanation of Benefits (EOB), Medicare's Blue Button, or contact your plan.

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How can Medicare problems be solved?

Call 1-800-MEDICARE (1-800-633-4227) You can call 1-800-MEDICARE and speak with a representative to ask questions about Medicare or get help resolving problems with Medicare. We made a test call to this number and were greeted by a polite Medicare representative after being on hold for about 90 seconds.

Who do you call with questions about Medicare?

1-800-633-4227Visit Medicare.gov/about-us/nondiscrimination/accessibility-nondiscrimination.html, or call 1-800-MEDICARE (1-800-633-4227) for more information. TTY users can call 1-877-486-2048. Paid for by the Department of Health & Human Services.

What should I say in a Medicare appeal?

Explain in writing on your MSN why you disagree with the initial determination, or write it on a separate piece of paper along with your Medicare Number and attach it to your MSN. Include your name, phone number, and Medicare Number on your MSN. Include any other information you have about your appeal with your MSN.

How does Medicare handle disputes over claims?

Fill out a "Redetermination Request Form [PDF, 100 KB]" and send it to the company that handles claims for Medicare. Their address is listed in the "Appeals Information" section of the MSN. Or, send a written request to company that handles claims for Medicare to the address on the MSN.

Who is the best person to talk to about Medicare?

Do you have questions about your Medicare coverage? 1-800-MEDICARE (1-800-633-4227) can help. TTY users should call 1-877-486-2048.

How do I speak to a person at Medicare?

Call 1-800-MEDICARE For questions about your claims or other personal Medicare information, log into (or create) your secure Medicare account, or call us at 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.

How often are Medicare appeals successful?

For the contracts we reviewed for 2014-16, beneficiaries and providers filed about 607,000 appeals for which denials were fully overturned and 42,000 appeals for which denials were partially overturned at the first level of appeal. This represents a 75 percent success rate (see exhibit 2).

How do I win a Medicare appeal?

Appeals with the best chances of winning are those where something was miscoded by a doctor or hospital, or where there is clear evidence that a doctor advised something and the patient followed that advice and then Medicare didn't agree with the doctor's recommendation.

How do I write a Medicare reconsideration letter?

The Medicare appeal letter format should include the beneficiary's name, their Medicare health insurance number, the claim number and specific item or service that is associated with the appeal, dates of service, name and location of the facility where the service was performed and the patient's signature.

Who pays if Medicare denies a claim?

The denial says they will not pay. If you think they should pay, you can challenge their decision not to pay. This is called “appealing a denial.” If you appeal a denial, Medicare may decide to pay some or all of the charge after all.

What are the five steps in the Medicare appeals process?

The Social Security Act (the Act) establishes five levels to the Medicare appeals process: redetermination, reconsideration, Administrative Law Judge hearing, Medicare Appeals Council review, and judicial review in U.S. District Court. At the first level of the appeal process, the MAC processes the redetermination.

How do you handle Medicare denials?

File your appeal within 120 days of receiving the Medicare Summary Notice (MSN) that lists the denied claim. Circle the item on your MSN that you are appealing and clearly explain why you think Medicare's decision is wrong. You can write on the MSN or attach a separate page.

File a complaint (grievance)

Find out how to file a complaint (also called a "grievance") if you have a concern about the quality of care or other services you get from a Medicare provider. Contact your State Health Insurance Assistance Program (SHIP) for local, personalized Medicare counseling.

File a claim

Get information on how and when to file a claim for your Medicare bills (sometimes called "Medicare billing"). You should only need to file a claim in very rare cases.

Check the status of a claim

Check your claim status with your secure Medicare account, your Medicare Summary Notice (MSN), your Explanation of Benefits (EOB), Medicare's Blue Button, or contact your plan.

File an appeal

How to appeal a coverage or payment decision made by Medicare, your health plan, drug plan or Medicare Medical Savings Account (MSA) Plan.

Your right to a fast appeal

Learn how to get a fast appeal for Medicare-covered services you get that are about to stop.

Authorization to Disclose Personal Health Information

Access a form so that someone who helps you with your Medicare can get information on your behalf.

What is the toll free number for Medicare?

Learn about and contact other agencies for additional assistance. Medicare – The federal government has a toll-free number, 1-800-MEDICARE, and a website that provides basic information about Medicare coverage and your private health and/or drug plan options. Social Security Administration (SSA) – The federal government has a toll-free number, ...

What is Medicare Rights Center?

Medicare Rights Center – The Medicare Rights Center is a national nonprofit consumer service organization that works to ensure access to affordable health care for older adults and people with disabilities through counseling and advocacy, educational programs, and public policy initiatives.

How to check Medicare claim status?

Go to Medicare’s website or call 1-800-MEDICARE for most other matters. For example, contact Medicare to check the status of your Part A or B claims, to get assistance comparing Medicare Advantage or Part D plans, or to file a complaint against your private Medicare plan.

How to find out if Medicare Advantage Plan covers a service?

To learn about how your Medicare Advantage Plan covers a service, call your plan or read your plan’s handbook. You can also call your State Health Insurance Assistance Program, or SHIP, to learn more about your Medicare coverage rules and state-specific information. Use our online SHIP Locator or call 877-839-2675 (and say “Medicare” when prompted).

How to contact Medicare for appeal?

Use our online SHIP Locator or call 877-839-2675 (and say “Medicare” when prompted).

What is an IDN for Medicare?

If you have a Medicare Advantage Plan, you may receive a notice called the Integrated Denial Notice, or IDN. Your plan must send you an IDN if it denies your request for coverage or will be discontinuing or reducing your previously authorized treatment.

Why does Medicare not cover a service?

If Original Medicare or your Medicare Advantage Plan does not cover a service, it may be because you did not follow or meet coverage rules. For example, some Medicare Advantage Plans require a referral from a primary care physician before they will cover a visit to a specialist.

What is Medicare summary notice?

The Medicare Summary Notice, or MSN, is a document sent to people with Original Medicare. It is a summary of health care services and items you have received. If you have a Medicare Advantage Plan or Part D plan, you receive an Explanation of Benefits, or EOB. An EOB is similarly a summary of services and items that you have received.

What to do if you disagree with a non-covered charge?

If you disagree with a non-covered charge, you can decide to file an appeal. Check your MSNs or your EOBs regularly to check for any suspicious charges or errors. If you see any suspicious or confusing charges, call your provider and your plan to learn more information and to see if there have been any billing errors.

How long does it take for Social Security to review your income?

When determining one’s income adjustment, Social Security will review previous tax returns, up to two years. If you find that your income has decreased from the previous years, you may be able to file a reconsideration request. Social Security will require proof of income and will then reconsider your premium costs.

What is supplemental coverage?

Supplemental Coverage. As stated before, supplemental coverages can be a huge lifesaver in the event you find yourself in a flurry of hospital and physician charges. Medigap Plans – These are plans that pay after Medicare pays. This will cover that 20% patient responsibility for your outpatient services.

What is the SEP period for Medicare?

If this criterion is met, you may delay enrollment for Medicare until after turning age 65. GEP – General Enrollment Period: If you fail to apply for Medicare ...

Does Social Security have a deductible?

Social Security will require proof of income and will then reconsider your premium costs. Once the premium costs are determined, they will be deducted from your monthly income. Part B has a deductible. If you’re enrolled in a first-dollar coverage Medigap plan, then your Part B deductible will be covered 100%.

What are the most common Medicare complaints?

The Most Common Medicare Complaints. There are common Medicare complaints that many seniors express. Choosing Medicare plans can feel stressful, and it’s a big relief when you finally enroll. But it’s not always smooth sailing after that. Medicare can cost more than most people prepare for paying. Cost is a common complaint ...

Why do Medicare Advantage plans have referrals?

Advantage plans account for a large number of common Medicare complaints because out of pocket costs are different. With some Medicare Advantage plans, you must have a referral before the plan covers a visit to a specialist. If you buy a Medicare Advantage plan through us, our client care team can help you understand why your costs were not ...

Does Medicare Supplement cover Medigap?

Many people don’t understand that Medicare Supplement, or Medigap, plans to cover the same services as Medicare. If Medicare doesn’t cover a service, then Medigap won’t cover it either. Common Medicare complaints are really just misunderstandings of coverage. Having an agent that understands your needs is very important.

Does Medicare cost more than most people?

Medicare can cost more than most people prepare for paying. Cost is a common complaint among seniors, as well as coverage. There are times when people thought the coverage was enough, and that just wasn’t the case. Below we discuss some of the top Medicare complaints we see from clients.

Is Medicare complicated?

Medicare is complicated, and healthcare providers and insurance companies don’t always get things right. At MedicareFAQ, we want to help you understand Medicare and call us with any complaint, common or not. If you’re shopping for coverage, we’ll give you a free quote.

Is Medicare a ripoff?

When you consider the cost of Obamacare or employer health insurance , Medicare is not a ripoff. Most people will pay more in premiums when they’re under 65 than when they turn 65.

Does Medicare Advantage work?

But sometimes your plan doesn’t work the way you thought it would.

How Do I Pay My Premium?

For Part B, your premium will be taken out of your Social Security check once you start collecting on Social Security. Before that time, or if you don’t qualify for Social Security, you can pay your Part B premium online using a debit card, credit card, or a connected bank account.

What To Do If There Is A Medicare Billing Error, Or You Suspect One Occurred

Billions of dollars move around the government, hospitals, and the population’s collective pockets every year for Medicare coverage. Billing issues can arise from all this money moving hands. In fact, a 2017 report said that there were about $36 billion worth of billing errors that year.

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