• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    thumb Pilan Sue Butts
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    thumb Tina Hiebert
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    thumb Joe Moynihan
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    thumb Angele Navares
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    thumb Elizabeth Tatge
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    thumb Karen P. Katz
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    thumb Rick Graves
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    thumb Jack Broome
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    thumb Diane Langille-stone
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    thumb Lorraine Roche

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What are Medicare Part B Excess Charges?

What are Medicare Part B Excess Charges and will they affect me?

This is a question that may come up after you’ve been on Medicare for awhile.  Chances are this was not explained when you first enrolled in Medicare. Medicare Excess Charges are related to your Medicare Part B coverage for Medical Services.

Providers can bill you for “excess charges” if they do not accept Medicare Assignment. The Part B Excess Charge is the amount above what Medicare approves for a procedure or office visit. Let’s say you visit the doctor and have a Medicare approved test done that cost $500.

The doctor performing the test does not accept Medicare Assignment and decides that $500 is not enough for the test. Because the doctor does not accept Medicare Assignment, he or she is able to charge an additional amount…this is the Part B Excess Charge.

The doctor, however, is limited to charging 15% over the Medicare approved amount.  So, Medicare will pay the doctor $500 and the doctor can bill you $75.

What is Medicare Assignment?

Medicare Assignment refers to providers who WILL accept full payment by Medicare.  If a doctor does not accept Medicare Assignment, he or she IS allowed to bill you for Part B Excess Charges.

Accepting Medicare patients vs. Accepting Medicare Assignment

There are providers who see Medicare patients but do not accept Medicare Assignment.  If a doctor “accepts Medicare”, it doesn’t necessarily mean he or she accepts Medicare assignment and might charge you up to 15% more than the Medicare approved amount.

If you do not have a Medicare Supplement and use only Original Medicare Part A and B, you are still subjected to excess charges.  You pay the standard coinsurance of 20%, plus the excess charge up to 15%.

For example, you visit the doctor and the office visit is $100.  Your doctor accepts Medicare patients, but does not accept Medicare Assignment. You are billed the usual 20% coinsurance on the $100 visit ($20), plus the 15% excess charge that Medicare does not cover ($15).  Your final bill is $35.

 3 tips to avoid Medicare Part B Excess Charges

#1 Choose a Medigap Plan that pays for all Part B Excess Charges.

There are ten standardized Medigap Plans and only two will pay all Medicare Part B Excess Charges.  Presently, Medigap Plan F and Medigap Plan G will pay 100% of all excess charges.

#2 Ask your doctor if he or she accepts Medicare Assignment.

If you currently have Medigap Plan A, B, C, D, K, L, M, or N, then you are responsible for paying any excess charges billed to you. Ask your doctor if he or she “accepts Medicare Assignment”.  If the answer is “yes”, and they absolutely accept Medicare Assignment, then you will not have to pay an excess charge.

#3 Verify Medicare Assignment through Medicare.

Calling the doctor’s office to verify Medicare Assignment is helpful, but I also like the idea of double checking with Medicare.  This can be done by visiting Medicare.gov and searching the database for your doctor or specialist through the Find Doctors feature.

Once you locate their information, the database will tell you whether or not he or she accepts Medicare Assignment.

It’s a good idea to check Medicare Assignment before any doctor visit or procedure.

If, for example, you have to have surgery, ask who the anesthesiologist will be and verify their Medicare Assignment before the procedure.  It’s often the specialists we don’t think about that will bill you for excess charges.

There are some states which have instituted the MOM Law (Medicare Overcharge Measure).  This means providers are not allowed to charge a patient any Part B excess charges. The states who fall under the MOM Law are:  Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, and Vermont.

Additional Resources:

Reviewing Medigap Plan N

Confused about Medicare coverage?

Will I be Declined Medigap Coverage?

What are Medicare Part B Excess Charges

Call (888) 411-1329 for your free consultation today!

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