Medicare Insurance Comparison

Call (800) 950-0608

For insurance quotes by phone
(TTY 711, Mon-Sat, 8AM EST-8PM EST)

Call (800) 950-0608

For insurance quotes by phone
(TTY 711, Mon-Sat, 8AM EST-8PM EST)

Medicare Insurance Comparison

Compare Quotes from Top Companies and Save

How do I find out who my Medicare carrier is?

Woman on tablet
Just the essentials...
  • Original Medicare is government-run coverage that uses private companies to perform billing and processing of claims and payments.
  • Medicare uses private carriers to process requests for insurance coverage and review appeals.
  • Medicare uses different carriers for each state or territory.
  • Medicare Advantage, Medigap, and Part D offer health plans from private insurance providers.
  • Original Medicare uses private carriers for durable equipment, claims, and business functions

Original Medicare operates as a fixed-fee-for-services organization. The Centers for Medicare and Medicaid contract with well-qualified doctors and hospitals that will accept Medicare terms and prices for patient services. Medicare uses carriers to process claims from members. Claims arise in many ways, but most are unpaid bills or charges paid by customers for which they seek reimbursement.

Comparison shopping is a great method for finding value in Medicare Advantage, Part D, and Medigap. These programs offer private plans with a variety of features, restrictions, and advantages.

Enter your zip code above to discover all your Medicare coverage options!

Fixed Fee-for-Services Organization

adobestock_85942265-1600x1600

A fixed-fee-for-services organization is a type of managed care that provides freedom of choice for customers. The customers can use their choices of medical services instead of a directed path of treatment for everyone.

In this type of organization, customers can use any doctor or hospital that accepts Medicare. They are not required to consult with a primary care doctor or get referrals to specialists. If they use services outside of the network, then they must apply to a carrier for reimbursement or coverage.

History of Carriers

When enacted, The Centers for Medicare and Medicaid used contractors to handle certain Medicare claims and processing. They were called Part A Fiscal Intermediaries (or FI) and Part B carriers. The names changed with the passage of the Part D prescription drug amendments in 2003, and the CMS was directed to call these companies A/B Medicare Administrative Contractors (or MACs). Many people still refer to them as carriers.

Carriers are the Hub of Original Medicare

Doctors writing prescriptions and using computer

The Part B carriers process more than $300 billion in claims, bills, disputes, and appeals. They help educate providers and develop improvements for claims standards. The carrier’s responsibilities include the following tasks:

  • Process claims for Original Medicare
  • Make Medicare payments
  • Account for Medicare payments
  • Recruit and enroll Original Medicare service providers
  • Review appeals and make reimbursements
  • Review medical records as needed for claims
  • Establish Local Converge Determinations to include ore procedures as medicinal applications grow
  • Handle inquiries from service providers

The Importance of Local Coverage Determinations

Medicare A and B is a large medical care system serving a diverse population of millions of older Americans and disabled persons. With millions of determinations of coverage each year, it is important and difficult to maintain consistency from state to state and region to region.

Local coverage determinations help the system work consistently by providing peer guidance to the process of review and approval of billings and procedures. As one state advances a new direction in procedures, every other carrier gets the information and can apply it.

Carriers Process Claims by State or territory

Medicare publishes a list of carriers and the territories they serve. When a claim occurs, Medicare requests the member to send the claim to the carrier responsible for the area in which the claim occurred.

Filing a Claim with the Designated Carrier

health insurance claim form

Customers file claims or disputes with the carrier for the state or region where the costs occurred. The carrier may ask for more information to confirm the facts and may review medical records if needed to understand the situation.

The carriers routinely handle cases in which the provider bills the wrong party. For example, they may customer rather than Medicare, bill the wrong amount, or fail to bill Medicare at all.

MACs Service Customer and Providers

The MACs cover most of the processing that occurs in claims, disputes, and appeals. The learn and grow in knowledge and experience and help the system expand its ability to recognize situations and make decisions that carry out the intent of the laws and promote positive patient outcomes.

There are twelve (Part A/B) MACs covering the fifty states and territories; there are four MACs for durable equipment processing (called DME MACS). MACs work with the below-listed groups to make the claims and processing system work smoothly.

  • Medicare Part A and B customers
  • Medicare Part A and B medical service Providers
  • Medicare Part A and B insurers
  • Medicare Functional Contractors

Medicare: The Seniors’ Medical Services Program

Medicare on chalkboard

Medicare is the national program for comprehensive hospital and medical insurance for older Americans. It has two basic types. First, it has the Original Medicare which consists of Medicare Part A and Medicare Part B.

Second, it offers private plans that provide coverage equal to Original Medicare called Medicare Advantage. The other parts of Medicare are the prescription drug coverage in Part D, and the gap insurance of Medicare Supplement.

MACS work with DME and Functional Contractors

At the heart of the Original Medicare system, MACs work with Medicare, customers, and other private contractors. Medicare uses four MACs to process requests and payments for durable medical equipment. This is an important part of treatment and outpatient services.

MACs also work with functional contractors . These functional contractor companies provide specialized capabilities for Medicare. The functions include accounting, record keeping, call center operations, and program integrity.

Medicare Provides the Names of Carriers

Medicare on a keyboard enter key

Carriers serve an important function in the operation of Original Medicare. Medicare maintains a list of carriers and the areas that they serve. Customers must direct claims and questions to the carrier that serves the area where the claim occurred. Customers can call Medicare at 1-800-MEDICARE ( 800-433-4227).

Comparison shopping is important when selecting outside of the Original Medicare options. The private plans offered through Medicare include Medicare Advantage, Part D Prescription Drugs, and Medicare Supplement or Medigap insurance.

Weigh all the pros and cons of your greatest options with our free online Medicare comparison tool. Click here to get started!

546 BALLOUGH RD DAYTONA BEACH FL 32114-2249 · (800) 950-0608 · Copyright © 2019 · All Rights Reserved

Terms & Conditions · MedicareInsurance.com · Privacy Policy · Contact Us · Site Map

MedicareInsurance.com is privately owned and operated. MedicareInsurance.com is a non-government asset for people on Medicare, providing resources in easy to understand format. The government Medicare site is www.medicare.gov.

This website and its contents are for informational purposes only and should not be a substitute for experienced medical advice. We recommend consulting with your medical provider regarding diagnosis or treatment, including choices about changes to medication, treatments, diets, daily routines, or exercise.

This communication’s purpose is insurance solicitation. A licensed insurance agent/producer or insurance company will contact you. Medicare Supplement insurance plans are not linked with or sanctioned by the U.S. government or the federal Medicare program.

MULTIPLAN_GHHK5LLEN_Accepted Last Updated 3/18/2018