I am currently receiving disability through social security and was automatically signed up for Medicare. I also pay for private insurance through my wife’s work. She used to work for a large company and everything went through private insurance. She switched to a small company recently and Medicare has now become my primary insurance, at least at the hospital where I’ve been seen. An employee of the hospital told me that since my wife’s employer has less than 50 (I think that was the number) employees, that makes Medicare primary now.
Can someone explain why this is? I’m trying to understand because the private insurance pays for some things and Medicare for others. I’m losing out on the private insurance deductible when Medicare pays something but my out of pocket to the hospital isn’t reflected in my private insurance deductible. Some things that were covered like routine bloodwork by private insurance I now have to pay out of pocket because Medicare doesn’t cover it all.
It doesn’t make sense to me. I feel like I’m missing something rather large here.
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