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What are Excess Charges? Which states do not allow Medicare excess charges?

  • Medicare with Melissa

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:   

  • Connecticut 
  • Massachusetts 
  • Minnesota 
  • New York 
  • Ohio 
  • Pennsylvania 
  • Rhode Island
  • Vermont

Learn More: What is NOT covered by a Medicare Supplement (Medigap) plan?

People Also Read: What does a Medicare Supplement (Medigap) plan cover?


Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

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