Ritter Insurance Marketing

Posted in Medicare Supplement | 13 Comments

13 Responses

1. on May 31, 2012 at 7:40 am | Reply Anonymous

   Living in PA is great. With the new N Plan, I had a $180,000 procedure and payed only $162.00 out of pocket (Medicare Part B deductible).

   
   
2. on November 19, 2011 at 1:29 pm | Reply Anonymous

   A few of our agents are also looking for specifics on which states allow excess. I searched online for a while and couldn’t find anything so I though I’d try here.
   Thanks

   Nicholas
   BGA Insurance

   
   
   • on November 21, 2011 at 12:42 pm | Reply Craig

     All the states except for the ones listed allow excess charges.

     
     
   • on November 21, 2011 at 12:49 pm | Reply Craig

     States which DO NOT allow excess charges are: Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island and Vermont.

     All others will allow.

     
     
3. on October 18, 2011 at 10:02 am | Reply Rhonda K West

   I am trying to find the list. I see a comment thanking Kim for the list. Can you tell me how to retrieve the list?

   
   
   • on October 18, 2011 at 10:31 am | Reply Craig

     There are several states which have mandated that Medicare providers are not able to charge more than what Medicare allows (This is the MOM Law or Medicare Overcharge Measure). In these states, the Part B excess charge coverage is not necessary. The states are: Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island and Vermont.

     
     
4. on July 7, 2011 at 9:29 am | Reply Steven

   Where did you come up with the states not allowing excess charges? I’ve got another broker telling my client that this info is all wrong. The client then called Medicare and was told it had nothing to do with the states, that it was solely dependent on the doctor accepting assignment and could be in any state. Can your information be sited?

   Steven

   
   
   • on July 7, 2011 at 9:39 am | Reply Craig

     Steven:

     Are you just looking for a citation in OH?

     Craig

     
     
   • on July 7, 2011 at 9:46 am | Reply Craig

     See page 23 of this document: http://www.insurance.ohio.gov/Consumer/OCS/CompleteGuides/CompleteMedSupGuide.pdf

     Note: Most Ohio residents do not need
     excess charges coverage because of
     the state’s balance bill ban. Call OSHIIP
     for details: 1-800-686-1578.

     Some OH residents who spend time outside of Ohio, may want to consider a plan with excess charges since there are many other states which allow physicians to excess charge your clients.

     
     
5. on May 20, 2009 at 7:39 pm | Reply G. Avery

   Alex,

   Law of the state you’re visiting.

   
   
6. on May 20, 2009 at 4:21 pm | Reply Alex Sickert

   OK. Please clarify…..If I were traveling out of state and had to visit an emergency room for medical care, how would I be charged….based on PA law re: excess billing or the law of the state where I received treatment?

   
   
   • on May 20, 2009 at 10:42 pm | Reply Craig

     Agreed. Thus a Plan F may prove useful in a “Mom Law” state for a Beneficiary who might travel out of state. By the way, I wanted to say thanks to Kim for providing the list. I had it at one time years ago and lost it and I wanted to have it documented someplace.

     Craig

     
     
     • on October 18, 2011 at 10:04 am Rhonda K West

       Craig, how do I find the list of states?