Selma is retired and has Medicare coverage. Her husband is still working and has a large-group health plan through his employer. Selma is an eligible dependent on her husband’s plan. Which insurance is billed as primary for Selma’s medical charges? Explain your answer.
A. Medicare
B. The husband’s group policy
B. The husband’s group policy.
ANSWER: Although Selma has Medicare, her husband has a large-group health plan (LGHP) through his employer (he is still working). She is a dependent on that plan. As such, the LHGP pays first, then Medicare is billed as secondary payer.
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