Medicare part B “excess charges” and Plans F & G

Ohio Tidbits
Medicare supplement plan F looks to be the best plan because although it is primarily the most expensive, it covers everything. It pays your part B deductible and part B "excess charges".  But what are "excess charges" or "billing balances"? They are the amounts that a doctor charges in excess of what medicare pays. Doctors who accept Medicare patients also must decide whether they will accept the payments which Medicare approves, an agreement known as accepting assignment. In most states if a health care provider does not accept medicare assignment, they are allowed to charge the patient "excess charges" -a maximum of 15%  of what medicare pays for the service. The patient will be responsible for the balance unless they have supplement plans F or G. These two plans pay 100%…
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