Can I show my Original Medicare Card instead of my Medicare Advantage card, if my provider doesn't take my advantage insurance?
Answered by 24 licensed agents
When You’re on a Medicare Advantage Plan (Part C):
Your Medicare Advantage plan takes the place of Original Medicare for your medical and hospital coverage.
You must show your Medicare Advantage card when receiving care, not your red, white, and blue Medicare card.
Original Medicare will not pay for your services while you're enrolled in a Medicare Advantage plan.
If a Provider Doesn’t Accept Your Advantage Plan:
You cannot use your Original Medicare benefits to bypass the Advantage plan’s network or billing rules.
You would either need to:
Pay out of pocket, or Find a provider who is in-network or accepts your Advantage plan, or
Switch plans during an eligible enrollment period (like the Annual Enrollment Period or Special Enrollment Period if applicable).
Bottom line: If you have Medicare Advantage, that plan is your primary coverage. Your red, white, and blue card no longer applies unless you disenroll from the Advantage plan and return to Original Medicare.
Answered by Joshua Ruiz on May 22, 2025
Broker Licensed in NC, AL, AZ & 22 other states
Answered by Lt Col Tim Brown on May 22, 2025
Broker Licensed in TN, AL, CO & 10 other states
Answered by Gary Church on May 22, 2025
Broker Licensed in Ca, AZ, NV & TX
When you opted to take the Medicare Advantage plans, you forfeited, or sold, your rights to original Medicare. So, although you need the Medicare Card to show that you at one time took your Part A & B, the Doctor or Facility will be billing the holder of your private MA Plan, not Medicare.
Understand the Doctor accepting the MA Plan is being paid less, and later, so the highest quality Medical facilities and doctors will not accept MA plans, and only Medicare where they are paid more and within 30 days. I would consider finding an agent during Open Enrollment in October, and seeing if switching back to Original Medicare may be better for you.
Answered by Norman Smith on July 25, 2025
Agent Licensed in FL & PA
Answered by Voss Speros on July 2, 2025
Broker Licensed in AZ, CA, CO & 14 other states
Answered by Lance Stanley on June 17, 2025
Broker Licensed in FL, AL, GA, MS & TX
Answered by Tom Kowalczyk on June 18, 2025
Broker Licensed in NJ, DE, FL, PA & SC
Answered by Steven Bleicher on May 29, 2025
Broker Licensed in AZ
Answered by Michael Pyers on July 17, 2025
Broker Licensed in OH & MI
Answered by Gregg Matheny on July 5, 2025
Agent Licensed in AZ & UT
Answered by Cindy Clonts on June 17, 2025
Agent Licensed in GA, AL, CA & 9 other states
Answered by Becki Jennings on June 4, 2025
Agent Licensed in MO
Luckily the Medicare Advantage networks are very large and continue to grow, so my clients usually do not run into these issues.
Answered by Clare Burley on June 3, 2025
Broker Licensed in CO, ID, KS & 7 other states
Elaboration:
Medicare Advantage and Original Medicare:
Medicare Advantage is an alternative to Original Medicare, offering coverage through private insurance companies.
Using the Correct Card:
When you have a Medicare Advantage plan, you use the card provided by your plan to access covered services, not your Original Medicare card.
Provider Networks:
Medicare Advantage plans often have a network of providers, and you typically need to use those providers to get services.
Switches to Original Medicare:
If your provider doesn't accept your Medicare Advantage plan, you may need to switch back to Original Medicare or find another provider.
Enrollment Periods:
You can switch back to Original Medicare during specific enrollment periods, such as the Annual Enrollment Period (October 15 to December 7) and the Medicare Advantage Open Enrollment Period (January 1 to March 31).
Answered by Fred Manas on May 22, 2025
Agent Licensed in NY, CT, DC & 7 other states
You cannot use Medicare ID card for medical treatment as result
Answered by Gary Henderson on June 3, 2025
Agent Licensed in TX, AK, AL & 46 other states
If a provider is out of network and you don't have out of network coverage. You will be responsible for the entire bill.
Answered by Marcie Barnes on May 22, 2025
Agent Licensed in TX, AK, AL & 48 other states
Answered by Linda Davies on May 22, 2025
Agent Licensed in IL
Answered by Gary Haft on July 7, 2025
Agent Licensed in FL, AL, DC & 9 other states
Answered by Tony Merwin on May 22, 2025
Agent Licensed in TX, AR, AZ & 28 other states
Answered by Sophia Davis on June 14, 2025
Broker Licensed in OH & PA
However, if you’re enrolled in a Medicare Advantage plan, you generally need to use that plan’s network and follow its rules to get coverage under that plan. If your provider isn’t in your Advantage plan’s network, you may have to pay more or the full cost if you use your Advantage card there.
Showing your Original Medicare card can help you get services covered outside your Advantage network, but it means you’re using Original Medicare benefits, not your Advantage plan benefits. It’s a good idea to check with your provider and your plan before your visit to understand what costs you might be responsible for.
Answered by Alaina Hunt on May 22, 2025
Agent Licensed in KS & MO
Answered by Debra Hartman on July 14, 2025
Agent Licensed in WI & MN
Answered by Guillermo Gonzalez on July 21, 2025
Agent Licensed in TX & MS
Answered by Kristen Maurice on July 7, 2025
Agent Licensed in TN, AL, CA & 10 other states
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