Attendees of Tower’s Premier Webinar on April 20 received sound advice on how to work with Medicare Part C (Advantage) and D (drug benefits) plans. Our guest presenter was Brian Bargender, consultant for subrogation and third-party liability with Humana, a nationally recognized expert on these plans.
Bargender noted that these plans have the same rights and responsibilities as original Medicare under the Medicare Secondary Payer Act. This means that Part C and D plans must avoid payment for treatment covered by primary payers, such as workers’ compensation or liability. Part C plans take this commitment seriously, as they want to prove they are more efficient than original Medicare.
The PAID Act gave primary payers visibility into Medicare beneficiary enrollment status in Parts C and D. Previously, they could see only that an individual was enrolled in Medicare. It was problematic to identify a beneficiary’s plan and resolve conditional payments. The growing popularity of Medicare Advantage plans was making the process more time-consuming. Approximately 46% of Medicare beneficiaries use Part C, and 75% of those on original Medicare have Part D.
Bargender explained the plans’ approach to MSP compliance and touched on private cause of action and double damages in the MSP Act. Medicare Advantage plans can obtain double damages from primary payers that refuse to reimburse conditional payments. And primary payers remain liable for repayment until plans are repaid, even if they have already paid the injured worker a settlement.
To make it easier to work with Part C and D plans in light of the PAID Act, Bargender offered these insights and advice:
Tower has found Bargender and Humana’s subrogation team to be very helpful. Its members promptly identify specific reimbursement claim information when the claimant is enrolled in a Humana Medicare Advantage plan. Further, they are open to understanding the liability issues and basis for settlement; this is something not typically found with the Medicare conditional payment recovery contractors.
As Bargender stressed, “proactive beats reactive” when it comes to resolution of these Part C and D claims. Primary payers must be proactive in using PAID Act data to identify whether a Medicare-eligible claimant is enrolled in a MA plan, and, if so, investigate whether the plan is seeking reimbursement for payments it made on the claim.
Dan Anders is chief compliance officer at Tower MSA Partners LLC. This entry is republished with permission from the Tower MSP Compliance Blog.
May 5-8, 2024
Amplify Your Impact There’s no limit to what you can achieve when you join the global risk managem …
May 13-15, 2024
Join us May 13–15, 2024, for NCCI's Annual Insights Symposium (AIS) 2024, the industry’s premier e …
May 13-14, 2024
The Board of Managers is excited to announce that the CSIA 2024 Annual Meeting and Educational Con …
No Comments
Log in to post a comment