If you’re looking at purchasing a Medigap policy, you may find that some of the Medigap plans do not cover excess charges. Doctors who “accept Medicare assignment” have agreed to accept the Medicare approved amount as payment. When a doctor doesn’t accept Medicare, excess charges may occur; doctors can only charge 15% above the Medicare approved assignment. Always ask your doctor if they accept Medicare assignment. Recent studies have shown that only about 5% of doctors do not accept Medicare assignment. There are some states that do not allow Excess Charges:
- New York
- Rhode Island
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