Each urgent care facility can specify which insurance plans they’ll accept. While most urgent care centers accept Medicare, there are some facilities that don’t include Medicare in their list of accepted plans.
Does Urgent Care take Medigap
Many Medicare beneficiaries ask “does urgent care take Medigap Insurance.” Since Medigap policies are provided by private insurance companies, you would need to check with the urgent care facility you would be visiting to see if they accept your supplement plan.
Be aware that just because an urgent care center does not accept Medicare does not mean that the treatment will not be covered under Medicare. You do have the option to pay for the treatment yourself and possibly be reimbursed by Medicare or your Medicare Medigap plans policy at a later date.
Make Sure to Check with your Urgent Care Facility
Since these policies are provided by private insurance companies, you would need to check with the urgent care facility to see if they accept your plan. Even if the facility does not accept Medicare, your treatment may still be covered by Medicare or your Medicare Supplement policy. Medicare and many of the supplement policies do cover care received at urgent care facilities.
Some urgent care centers that don’t accept Medicare will not do the insurance claim filing for you. If you choose to be seen at an urgent care facility that does not accept your insurance, you may have to do extra paperwork or go through several extra steps to have your expenses paid.
How do I get Reimbursed for my Urgent Care Expenses?
If you are treated at an urgent care clinic that does not accept Medicare and you have to pay for the treatment yourself, you can contact Medicare to request a form that can be completed and submitted to Medicare for reimbursement.You’ll need to contact the private insurance company directly to see what steps you need to take to be reimbursed.
Sometimes, with any of the Medicare plans, the doctor or urgent care clinic must submit the claim for you instead of you filling out the form yourself. It’s always best to contact Medicare or the private company issuing your policy to make sure you are following their requirements for getting your claim covered.
What if the Doctor I see Doesn’t take Medicare Supplement Plans
Occasionally, there are doctors, even within a participating urgent care clinic, that don’t take Medicare or any associated plans. This is often due to the large amount of paperwork required in handling Medicare related claims in combination with low fees paid to the doctor by Medicare.
As a result, these non-participating doctors will usually charge a fee to the patient higher than the amounts that Medicare would pay them for the same services. While they’re legally able to charge a higher amount, there is a limit to how much more they can charge.
These non-participating doctors can only charge a certain percentage more than the amount they would be paid by Medicare. When this happens, you can still have the non-participating doctor submit the claim to Medicare or complete the Patient’s Request for Medicare Payment form, whichever your plan requires.
In order to find out “does urgent care take Medigap” the best thing to do is to call the specific urgent care centers you are interested in visiting and ask them what insurance plans they accept. This simple call could save you a great deal of time.
Speak to a Medicare Agent Near You
If you have questions that are not answered here, please call and speak to one of our friendly and knowledgeable agents who will be happy to assist you. You can also read our FAQs to find answers to some common questions.
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