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Medicare supplemental insurance is designed to be helpful to you, and processing claims for payments via supplemental insurances should be easy and hassle free. In most cases all you will need to do is show your Medicare Supplemental insurance ID card to your healthcare provider at the time of the visit. Any billing to your supplemental insurance that is not paid by Medicare Part A or Part B should be put through automatically.
You should receive in the mail subsequent to the provider visit that required the use of your Medigap insurance, a payment of claim summary. This summary will indicate the total bill for the healthcare service provided, how much of it was paid by your Medicare health coverage, and how much was picked up by your supplemental Medicare insurance.
Automatic billing is the norm, and with the provisions in the Healthcare Act and the original Stimulus Bill calling for the expansion of Healthcare IT, it should be almost universal in the next 5- 10 years. But for now, you still might find the occasional provider that requires that you file a claim for Supplemental Medicare payments by yourself.
If that is the case, at the time of service you should receive an Explanation of Medicare Benefits that will indicate what original Medicare will and will not cover for the visit. It is then recommended that you take that Explanation of Medicare Benefits, along with the bill and any summary notice you may have received, and send that all out to your Medicare supplemental insurance company.
So in conclusion, when it comes to filing a claim for Medicare Supplemental insurance, you really shouldn't have to, claims and payments from your supplemental insurance provider directly to your doctors or other covered healthcare practitioners should be made directly and automatically. However, there may be times when you will have to submit claims yourself to your supplemental insurance provider, and as long as you obtain proper billing statements, summaries, and explanations of Medicare benefits, you should have little or no problems submitting claims on your own. However, if you do find it necessary to submit your own claims, do not assume that the secondary payer has made the necessary payments to your healthcare provider, it's a good idea to follow up in a few weeks to be sure.