Medicare as a Secondary Insurance Customer

Under Medicare secondary insurance, Medicare is the secondary payer and is not liable for paying first. There are instances when Medicare might not even compensate at all if the other insurance vendors pay more than what Medicare would pay.

Medicare Secondary Payer" is usually confounded with Medicare Supplemental Insurance. The truth is that both of them are quite different from each...

Read more


Website: bestmedicaresupplement.com

Texas PricePoint

Welcome to Texas PricePoint

Welcome to Texas PricePoint, a user-friendly resource for information on Texas hospitals. Texas PricePoint is sponsored by the Texas Hospital Association , an Austin-based nonprofit statewide trade association representing hospitals and health systems. This site was created to provide basic demographic, quality and charge information on...

Read more


Website: http://txpricepoint.org

Medicare Told to Cover CGMs in Ruling – Insulin Nation

Medicare Told to Cover CGMs in Ruling

Two judges say the device is necessary, not precautionary. Will this end the debate?

The Dexcom G4 Receiver

Jim Cahill | May 10th 2016

Medicare doesn't typically provide coverage for continuous glucose monitors (CGMs), as insurors who oversee Medicare coverage have long argued that CGMs are a "precautionary" device rather than a "medically necessary" one....

Read more


Website: http://insulinnation.com

Medicare Info - American Wheelchairs

Medicare Coverage

DID YOU KNOW..... IF YOU QUALIFY, MEDICARE & PRIVATE INSURANCE MAY COVER THE ENTIRE COST OF A POWER WHEELCHAIR???? THIS MEANS NO MONEY OUT OF POCKET FOR YOU!!!!� TO SEE IF YOU QUALIFY, PLEASE CALL 1-800-449-8991 TODAY!!!!!!

One of the most common questions we are asked by our customers is if Medicare or Private Insurance will cover the cost of an...

Read more

Date: 2010-01-25 20:38:12
Website: http://www.americanwheelchairs.com

Medicare Supplement Plan F – Benefits, Rates, How to Qualify

Medicare Supplement Plan F - 7 Essential Facts You Must Know

by Joe D'Aura

on January 27, 2017

We hear these questions all the time:

What is Plan F? What does it cover? How do I compare Medicare Supplement Plans ? �How is it different from Part C, or plan N?

Much �information you�get in the form of sales brochures� about Medicare and Medicare�Supplement Plans (Medigap)�is sometimes...

Read more


Website: https://clearmedicaresolutions.com

Final 2017 Medicare Advantage payments lower than proposed ...

The federal government has lowered average pay raises for 2017 Medicare Advantage plans, and it also modified several of the program's policies after weeks of unremitting lobbying from the health insurance industry.

Overall, the Obama administration showed a commitment to proposals the powerful industry vehemently opposed. One of the most notable policy changes within the CMS' 250-page policy...

Read more

Date: 2018-03-24 10:18:03
Website: http://www.modernhealthcare.com

What Are The Parts of Medicare? - AgingCare.com

By� Marlo Sollitto

Medicare is the United States' health insurance program for people age 65 or older. (Certain people younger than age 65, particularly those who have disabilities, can also qualify for Medicare, but they must meet other specific criteria.)

You will be eligible for Medicare when you turn 65 even if you are not eligible for Social Security retirement benefits. However, this...

Read more


Website: https://www.agingcare.com

What is Original Medicare Part A? - Policy Zip

What is Original Medicare Part A?

Original Medicare Part A

Understanding and signing up for Medicare can be confusing. The process can feel like healthcare alphabet soup -- every different part seems to have its own letter and abbreviation. So what does it all mean and how does it apply to you? If you're looking to grasp the basics of Medicare, the best place to start is understanding Original...

Read more


Website: https://policyzip.com

Eye Measurements - Most Accurate Cataract Surgery (MACS)

Click on a measurement in the list above to see it's description.

Axial Length / Keratometry (projected light reflections)

Medicare covers ONE measurement of the Axial Length. Many MACS surgeons like to have multiple measurements of the Axial Length to double and triple check the dimension of the Axial Length of the eye.

Keratometry measures the "average" corneal curvature found in the cornea...

Read more

Date: 2018-03-20 22:29:55
Website: http://macshd.com

Related topics : medicare health cover / medical equipment not covered by medicare / what does part a and part b medicare cover / what does medicare part a and part b not cover / what's medicare part a cover

Medicare Cost Report Preparation - Lawrence J Beardsley ...

Medicare cost report preparation is a complex, ever-changing and exacting legal obligation. Since both compliance and accuracy in Medicare cost reporting are key to uninterrupted and maximized CMS reimbursements, it is of crucial importance to the financial health of your organization. L. Beardsley CPA, Inc. is one of the largest and oldest dedicated providers of Medicare reimbursement and...

Read more

Date: 2018-03-24 09:40:12
Website: https://lbeardsleycpa.com

Medicare Advantage (Medicare Part C)

Medicare Part C, or Medicare Advantage, is a program that offers an alternative way to receive your Original Medicare benefits (Part A and Part B).

Medicare Advantage plans are available from private insurance companies that contract with Medicare. They're required to cover everything that Original Medicare (Part A and Part B) does, except for hospice care, which Medicare Part A covers when you...

Read more


Website: https://www.medicareconsumerguide.com

Medicare Supplement Plan G - Medicare Supplemental ...

Medicare supplement plan G (also called Medigap plan G) is the second most popular of the ten different Medicare supplement plans (see all the Medicare supplement plans� HERE) .� What makes it so popular is the extent to which it covers the gaps in your traditional Medicare coverage.� With the second most comprehensive coverage Medicare supplement plan G allows you to not worry about what...

Read more


Website: http://www.medicaresupplementalinsurancequotes.co

Medical Supplies Covered by Medicare | Durable Medical ...

Whirlpool Pumps

How Medicare Keeps the Cost Down

Medicare pays for DME in a variety of ways. You can only rent certain pieces of equipment, while you can purchase other DME. There are also DME pieces you can either purchase or rent.

Medicare responded to complaints about expensive equipment by introducing a new DMEPOS Competitive Bidding Program in January 2011. It was available for equipment...

Read more


Website: https://resources.medicaresolutions.com

14 Must-Know Facts About Medicare Open Enrollment - Health

Medicare open enrollment

Making sense of Medicare, the government-run health-insurance plan for people with disabilities and those age 65 and older, isn't easy. The options read like alphabet soup, including Parts A and B (original Medicare), Part C (Medicare Advantage), and Part D (drug coverage).

Every year Medicare beneficiaries have a chance to change coverage during a Medicare Annual...

Read more


Website: http://www.health.com

Medicare Part A: Hospital Care and Services - WebMD

Understanding Medicare

Medicare Part A: Hospital Care and Services

Medicare Part A generally covers inpatient medical services. This includes stays in a hospital or nursing facility. It also pays for some home care and hospice .

Medicare Parts A and B are sometimes called "Original Medicare." Traditional Medicare allows you to go to any doctor or hospital that accepts Medicare.

The Social...

Read more


Website: https://www.webmd.com

Medicare Special Needs Plans | Knowing Your Medicare ...

Knowing Your Medicare Advantage Options

Medicare Special Needs Plans (or SNPs) are designed to meet the needs of people suffering from specific conditions or diseases.

Medicare Advantage Plans are optional Medicare plans offered by Medicare-approved private companies and available to people already enrolled in Medicare Part A and Medicare Part B.

Special Needs Plans require you to receive...

Read more


Website: https://www.medicaremall.com

Why I chose Original Medicare over a Medicare Advantage ...

Should I enroll in Original Medicare or should I choose a Medicare Advantage Plan?  As I reached age 65 I had to make that complicated decision. This post will discuss the reasons I decided to go with Original Medicare.

I knew that I was blessed to have a choice. Before 1965 (when Medicare was enacted) a majority of American seniors had no health insurance. And those who were insured typically...

Read more


Website: http://www.paelderlaw.com

MEDICARE E CODES » capitation and medicare

ANNOUNCEMENT OF CALENDAR YEAR (CY) 2007 MEDICARE ADVANTAGE.

CAPITATION RATES AND MEDICARE ADVANTAGE AND PART D PAYMENT�...

On April 7, the Centers for Medicare and Medicaid Services (CMS) released the

final 2015 ... Final Notice on both MA capitation rates and MA margins.

Clark, Michael Fiore, and Cheri Rice (Centers for Medicare & Medicaid Services).

.... capitation rates are adjusted for risk...

Read more


Website: http://www.medicareecodes.com

Medicare covered Codes » medicare part b component codes

medicare part b component codes

PDF download:

Oct 16, 2015 ... January 2016 Quarterly Average Sales Price (ASP) Medicare Part B ...

Healthcare Provider Taxonomy Codes (HPTCs) October 2015 Code Set Update .

... relative value units, conversion factors and/or related components are�...

Jul 23, 2015 ... Two new CPT codes proposed to be covered under. Medicare in 2016: ....

component services...

Read more

Date: 2018-03-25 02:35:16
Website: http://www.medicarecode.net

Humana Medicare Dental Plans 2018 - Medicare Advantage

Routine dental care and dentures are not covered under original Medicare. Even when you are enrolled in a supplemental plan (also known as Medigap policy), you are not covered for dental services, as these policies only help you with the costs for Medicare approved services - and treatments at your dentist are not covered by Medicare.

What about Medicare advantage plans? Do they cover dental?...

Read more


Website: http://www.medicareadvantagesupplementplans.com

cigna medicare prior authorization form – Medicare all code

cigna medicare prior authorization form

PDF download:

CIGNA HealthCare. - Medication Prior Authorization Form - ... Additional pertinent

information: (please include clinical reasons for drug, relevant lab values, etc.)�...

Medicare Part D Coverage Determination Request Form. This form cannot be

used to request: ... Rationale for Exception Request or Prior Authorization. FORM

�...

Jan 1, 2015...

Read more


Website: https://www.medicareallcode.com

Medicare Supplemental Insurance - Trusted Choice

Medicare Supplemental Insurance

Cover Your Medicare Gaps Using this Trick

Medicare is a federal health insurance program that allows certain groups of people to get  healthcare coverage  without purchasing individual insurance plans or enrolling in a group health plan, such as an employer's health plan. Depending on the type and amount of coverage you have through the Medicare program, and your...

Read more


Website: https://www.trustedchoice.com

Am I eligible for Medicare health coverage?

Am I eligible for Medicare health coverage?

In most cases, you're eligible at age 65 for comprehensive coverage

February 28, 2018

For the vast majority of Americans who look forward to receiving�Medicare health benefits, eligibility is as uncomplicated as celebrating your 65th birthday. But your eligibility to receive Medicare coverage without having to pay a premium - and your eligibility for...

Read more


Website: https://www.medicareresources.org

Lidocaine Patch Not Covered by Part D - Medicareblog.org

Lidocaine Patch Not Covered by Part D

Lidocaine Patch Not Covered by Part D

Posted about 3 years ago | 39 comments

Is your Lidocaine patch not covered by your Medicare drug plan? �Medicare seems to be cracking down on drugs that are prescribed for "off label" usage. �I got an email from a client who has been using the Lidocaine Patch for years - and now she's being told her Medicare Advantage...

Read more


Website: http://medicareblog.org

Why a Medicare Advantage Plan? - Samaritan Health Plans

Why a Medicare Advantage Plan?

Four great reasons to consider a Medicare Advantage Plan

You may be wondering whether a Medicare Advantage Plan makes sense for you. Or, you may be interested to see how it compares with Original Medicare alone. Here are four great reasons to consider Medicare Advantage for your coverage needs:

Lower out-of-pocket costs:�Medicare Advantage Plans are designed to protect you against the thousands of dollars in expenses that Medicare doesn't cover. You get low, set co-pays for routine, specialty and emergency care. You may not have to worry about a deductible. You will have peace of mind that you won't spend...

Read more


Website: https://medicare.samhealthplans.org

Medigap Policies - Medicare Supplement Insurance - Health ...

Medigap Policies Insurance Overview

Medigap Policies Insurance Overview

Medicare supplement plans are also referred to as Medigap policies. In order to obtain a Medicare supplement plan, you must already have Medicare Parts A and B.� Medicare "Supplements" work exactly as the name suggests; thus, if Medicare provides coverage for a procedure, the supplement plan will cover the difference...

Read more


Website: https://www.thehealthexchangeagency.com

Which insurance pays first | Medicare.gov

Which insurance pays first

How Medicare coordinates with other coverage

If your health insurance or coverage changes, call the Benefits Coordination & Recovery Center (BCRC) at 1-855-798-2627�(TTY: 1-855-797-2627). Tell your doctor and other health care provider about changes in your insurance or coverage when you get care.

I have Medicare and: ��

expand icon I'm 65 or older and have group...

Read more

Date: 2018-03-22 18:01:02
Website: https://www.medicare.gov

Medicare Supplement Insurance - IAC Life

Original Medicare covers the cost of many health care services and supplies for eligible participants.� However, there are costs, deductibles, and co-pays under Original Medicare.� Participants must pay for those "gaps" themselves.

Medigap, also known as Medicare Supplement, is a health insurance policy made available through private insurers, like IAC, which can help fill in some of the gaps in Original Medicare.� While Medigap may not cover your entire share of the cost for services provided under Medicare, a Medicare Supplement insurance policy may help alleviate the financial burden of those unexpected gaps.

Please...

Read more

Date: 2018-03-24 10:48:24
Website: http://www.iaclife.com

9 things you can claim on Medicare - bodyandsoulau

Did you know your Medicare card can help pay for your chiropractor and midwife?

bodyandsoul.com.au June 17, 20164:55pm

Photo: iStockSource:BodyAndSoul

We all know Medicare will cover costs such as GP visits, public hospital stays and annual eye tests, but did you know you may be able to use your Medicare card to help pay for your chiropractor , dentist or midwife?

If you suffer from a condition...

Read more


Website: http://www.bodyandsoul.com.au

Medicare Part B - Medicare Enrollment Information

Eye examinations needed for prescriptions

Hearing aids, along with their fitting exams

Routine care for foot treatments

Medicare is not a one-size-fits-all program, because people have different medical needs as they age. When applying for Medicare, you have options about the portions of the program in which you want to enroll. While some people get enrolled in Medicare Parts A and B...

Read more


Website: https://medicare.net

10 Best Lift Chair Reviews 2018: Buyer’s Guide

You may�like this Coaster Casual Power Lift Recliner for the following Key Features:

It comes wrapped with the brown sugar velvet fabric.

The arms are thickly padded.

It has the dual rocker features.

It is suitable for people with all levels of ability.

It has a pocket sewed at the side of the chair.

This lift chair from Coaster comes with a stylish construction. The chair is designed to fit...

Read more


Website: https://elderlychairguide.com

Related topics : lift chair covered by medicare / medical equipment not covered by medicare / what does part a and part b medicare cover / what does medicare part a and part b not cover / what's medicare part a cover

Medicare Providers List and Details

Psychologists

Medicare Program: Medicare is a federal government program which provides health insurance to people who are 65 or older. This program also covers certain younger people with disabilities (who receive Social Security Disability Insurance - SSDI), and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD.

Medicare Assignment: Assignment means that your doctor, provider, or supplier agrees (or is required by law) to accept the Medicare-approved amount as full payment...

Read more


Website: http://www.medicarelist.com

Related topics : medicare is a federal health insurance program / doctors who accept medicare assignment / medicare national provider number / medicare and medicaid are services provided by / centers for medicare and medicaid services cms

Which is Better - Medigap or Medicare Advantage ...

Original Medicare (combined with Medigap) and Medicare Advantage are actually pretty similar. They are two different ways of covering many of the same services. So, how do you choose what's right for you?

1. What is the difference between Original Medicare and Medicare Advantage?

Option one is Original Medicare (i.e. Medicare Part A + Medicare Part B), which is run by the federal government and...

Read more


Website: mymedicarematters.org

AETNA Medicare Advantage Plans Review - Medicare Part C

Contact

AETNA Medicare Advantage Plans Review

Aetna is an American managed health care, with headquarters in Hartford, Connecticut. They sell consumer-directed health care insurance coverage and traditional coverage, as well as Medicare Advantage plans. Aetna is one of the largest health insurance providers, with more than 22,719,000 medical members. They also have nearly 15 million dental...

Read more


Website: https://medicarepartc.com

Jeff Mills, in Richfield, MN - Medicare Clinical ...

Practice Location: 6425 Nicollet Ave, Richfield, MN 55423

Phone: 612-798-8168 ���

Medicare Program: Medicare is a federal government program which provides health insurance to people who are 65 or older. This program also covers certain younger people with disabilities (who receive Social Security Disability Insurance - SSDI), and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD.

Medicare Assignment: Assignment means that your doctor, provider, or supplier agrees (or is required by law) to...

Read more


Website: http://www.medicarelist.com

Related topics : medicare is a federal health insurance program / doctors who accept medicare assignment / medicare is a health insurance program / centers for medicare and medicaid services cms / centers for medicare & medicaid services cms

Medicare Supplement Insurance Overview

A 30-day free look period is provided on all Medicare Supplement policies according to s. 627.674, Florida Statutes. This means the policy can be returned to the company for a full refund of all premiums. The free-look provision starts from the day the policy is delivered and it is suggested the policy be returned in a manner in which delivery must be confirmed by the insurance company. (The...

Read more


Website: https://myfloridacfo.com

Dr Leslie Hart Maccardell, PHD - Medicare Psychologist in ...

Practice Location: 20 Tremont St, Suite 31, Duxbury, MA 02332

Phone: 617-633-7041 ���

Medicare Program: Medicare is a federal government program which provides health insurance to people who are 65 or older. This program also covers certain younger people with disabilities (who receive Social Security Disability Insurance - SSDI), and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD.

Medicare Assignment: Assignment means that your doctor, provider, or supplier agrees (or is required by law) to...

Read more


Website: http://www.medicarelist.com

Related topics : medicare is a federal health insurance program / doctors who accept medicare assignment / medicare is a health insurance program / centers for medicare and medicaid services cms / centers for medicare & medicaid services cms

Medicare PFFS Information for Providers - DMBA.com

Deseret Alliance (Previously Deseret Secure) - Provider FAQ

As of January 1, 2013, Deseret Alliance, a Medicare Supplement plan, replaces Deseret Secure, a Medicare Advantage Private Fee-for-Service plan.

General Questions

How will the billing process change?

Previously, DMBA members covered by Medicare were enrolled in Deseret Secure, a Medicare Advantage Private...

Read more


Website: https://www.dmba.com

Provider Participation in Medicare | American Academy of ...

Recently, participation in Medicare has become a concern for physicians due to the annual impending cuts to the Medicare Physician Payment System. These payment reductions are based on the Sustainable Growth rate. As you wait to see whether the Congress will avert the impending 21 percent reduction to the Medicare Physician Fee Schedule (MPFS), you should carefully consider all options before...

Read more

Date: 2018-03-24 11:51:52
Website: http://www.entnet.org

What you need to know about private health insurance | GU ...

You will need to pay the Medicare Levy Surcharge (MLS)�

if you're an Australian taxpayer earning above

a certain income and you don't have an appropriate level of hospital cover for you and all your dependants with a registered health fund such as GU Health. The MLS is paid in addition to the Medicare Levy payable by most taxpayers. The penalties that apply if you don't have private health...

Read more


Website: https://www.guhealth.com.au

Workers’ Compensation – Synergy Settlements

For this reason, CMS recommends that parties to a WC settlement set aside funds, otherwise known as Workers' Compensation Medicare Set-aside Arrangements (WCMSAs) for all future medical services related to the WC injury or illness/disease that would otherwise be reimbursable by Medicare.

What is the Legal Basis for Medicare Set Asides in Workers' Compensation Settlements?

42 CFR 411.46 - Lump-sum...

Read more


Website: http://www.synergysettlements.com

Dr Faith A Prelli, PSYD in Winsted, CT - Medicare Clinical ...

Medicare: Not Enrolled in Medicare

Practice Location: 92 High St, Winsted, CT 06098

Phone: 860-201-6257 ���

Medicare Program: Medicare is a federal government program which provides health insurance to people who are 65 or older. This program also covers certain younger people with disabilities (who receive Social Security Disability Insurance - SSDI), and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD.

Medicare Assignment: Assignment means that your doctor, provider, or supplier agrees (or is...

Read more


Website: http://www.medicarelist.com

Related topics : medicare is a federal health insurance program / doctors who accept medicare assignment / medicare is a health insurance program / centers for medicare and medicaid services cms / centers for medicare & medicaid services cms

Medicare Advantage Plans – Healthfirst

Our Medicare Advantage Plans include all the same benefits of Original Medicare: Part A (Hospital) and Part B (Doctors), with additional benefits such as dental, vision, and hearing. Most plans include prescription drug coverage, and some even offer an over-the-counter (OTC) card.

You can find a Healthfirst Medicare Advantage Plan that's right for you, whether you need financial assistance, want...

Read more


Website: http://hfchoice.org

Coordinating Medicare and employer coverage

Home Opinion Coordinating Medicare and employer coverage

Coordinating Medicare and employer coverage

Posted By: Cole Williams Posted date:

July 06, 2017

By Linda Melancon

Legacy Estate & Elder Law

Medicare benefits start at age 65, but many people continue working past that age, either by choice or need. It is important to understand how Medicare and employer coverage work together.

Depending on...

Read more


Website: http://www.thewestsidejournal.com

2018 AvMed Medicare Choice - medicare-plans.net

This is a 2017 Plan. 2018 Plans Available

Good news. This plan is available in 2018. Click Here to see the 2018 plan.

 

AvMed Medicare Choice is a Health Maintenance Organization (HMO) Medicare Advantage plan, by AvMed, available in Broward County, Florida. It offers all of the basic benefits of Original Medicare and may include additional coverage.

With an HMO plan, like this one from AvMed,...

Read more


Website: http://www.medicare-plans.net

IGNITE with Humana - Products

Humana offers Special Needs Plans (SNP) to beneficiaries who have a specific health condition, are eligible for both Medicare and Medicaid, and/or are a resident of a long-term care facility. SNP is a type of Medicare Advantage plan that combines all the benefits of Original Medicare (Parts A and B) with prescription drug coverage (Part D).

Personalized guidance and resources to help members get...

Read more


Website: http://ignite.humana.com

Starting Medicare: What you need to know after 65 ...

Starting Medicare: What you need to know after 65

It's more complicated than just turning 65

Published: October 16, 2014 11:15 AM

Understanding Medicare's different parts

Medicare comes in four parts, each of which covers particular services or types of insurance. Virtually everybody who gets Medicare eventually enrolls in the first two parts, which have been around since the program started...

Read more


Website: http://www.consumerreports.org

Dr Janet R Messer, PHD in Tempe, AZ - Medicare Clinical ...

Medicare: Not Enrolled in Medicare

Practice Location: 2101 E Broadway Rd, Suite 33, Tempe, AZ 85282

Phone: 480-966-8729 ���Fax: 480-446-0854

Medicare Program: Medicare is a federal government program which provides health insurance to people who are 65 or older. This program also covers certain younger people with disabilities (who receive Social Security Disability Insurance - SSDI), and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD.

Medicare Assignment: Assignment means that your doctor, provider, or...

Read more


Website: http://www.medicarelist.com

Related topics : medicare is a federal health insurance program / doctors who accept medicare assignment / centers for medicare and medicaid services cms / centers for medicare & medicaid services cms / centers for medicare and medicaid services data

Medicare Supplement Plan F - Top Companies and Lowest Premiums

Medicare Supplement Plan F

Medicare Supplement Insurance (Medigap) is an outstanding options for seniors and those entering Medicare coming up on their 65th birthday. Despite this great coverage, most people are completely confused when it comes to learning about Medicare, Part D drug plans, and Medicare Supplement policies. This site is your one-stop for learning about Medicare and Medigap...

Read more

Date: 2018-01-05 17:35:38
Website: http://www.medicaresupplementplanfguide.com

I need a boob job, can Medicare help? - Plastic Surgery Hub

by Trish | Feb 27, 2014 | Blog , Breast Augmentation , Breast Lift , Mummy Makeover , Surgical Procedures | 251 comments

I need a boob job, can Medicare Help? If you are considering a breast augmentation this is something you may be interested to know; many cosmetic procedures (in which some breast procedures are included) have a Medicare rebate when performed by a specialist Plastic surgeon....

Read more


Website: https://www.plasticsurgeryhub.com.au

Related topics : private health insurance and medicare rebate / private medicare rebate / medicare rebate / medicare and private health insurance / medicare cover private hospital