Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
Having two health insurance programs generally happens when a person is eligible/signed up for Medicare Part A (premium-free), but is still working and has group health insurance coverage through their employer. When this happens and the group coverage pays first and Medicare pays second, the group coverage will pay its share and whatever the balance is will go through the Medicare's claims department - Medicare will pay their share up to the Medicare-approved amount. You will be responsible for paying any remaining balance after that.
Most of the time if you're paying for Medicare Part B, you're not going to be paying for group coverage as well - you would either have group coverage + Medicare Part A or Medicare Part A + Part B. If you're on Medicare Parts A & B, I highly recommend adding a Medicare supplement (Medigap) policy to help cover the gaps in coverage provided by Original Medicare (Parts A & B).
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Most of the time if you're paying for Medicare Part B, you're not going to be paying for group coverage as well - you would either have group coverage + Medicare Part A or Medicare Part A + Part B. If you're on Medicare Parts A & B, I highly recommend adding a Medicare supplement (Medigap) policy to help cover the gaps in coverage provided by Original Medicare (Parts A & B).