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Expensive specialists are the doctors most likely to charge Medicare Excess which can cost you 15% more than what Medicare pays. Plan N subjects you to Medicare Excess but a few states prohibit charging Medicare Excess. Learn more in my book on Amazon. Or go to www.TheMedicareFamily.com Click here for my FREE cheat sheet, workshop, and more! linktr.ee/medicaremama | The Medicare Family
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Why do you have to pay an excess when you make an insurance claim? It’s not just about saving the insurer money. The excess exists to: Keep premiums affordable Filter out minor or unnecessary claims Encourage responsible behaviour by sharing some of the risk with you If there was no excess, people might take more risks or be less careful—knowing insurance will just foot the bill. That’s called moral hazard, and excess helps prevent it. | Gerrards
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