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A friendly reminder: You can’t balance bill Medicare beneficiaries who have extra benefits

 

Some dual-eligible Medicare beneficiaries have extra benefits. You can’t charge these members for cost sharing.

 

State Medicaid programs may pay providers for Medicare deductibles, coinsurance and copayments. But federal law allows states to limit provider reimbursement for Medicare cost sharing under certain conditions.

 

Dual-eligible individuals may qualify for Medicaid programs that pay Medicare Part A and B premiums, deductibles, coinsurance and copays to the extent that the state Medicaid plan provides.

 

These programs include:

 

  • Qualified Medicare Beneficiary (QMB)
  • Specified Low-Income Medicare Beneficiary (SLMB)
  • Qualified Disabled and Working Individuals (QDWI)
  • Qualifying Individual (QI)

 

What happens if you don’t comply?

 

Medicare providers must accept the Medicare and Medicaid payment (if any) in full for services given to a beneficiary who has full Medicaid benefits or who is part of one of the Medicare Savings Programs listed above. Failure to follow these billing rules may result in sanctions from the Centers for Medicare & Medicaid Services (CMS). Also, your provider agreement stipulates that you must follow these billing rules.

 

Helpful tips

 

  • All Original Medicare and Medicare Advantage providers — not just those that accept Medicaid — must follow the balance-billing rules.
  • Providers can’t balance bill these members when they cross state lines for care. This rule applies no matter which state provides the benefit.

 

Where to go for more information

 

Medicare-Medicaid general information

 

Additional Dual Eligible Special Needs Plans (DSNPs) resources

Legal notices

Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna).

Health benefits and health insurance plans contain exclusions and limitations.

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