How to Read a Medicare Summary Notice (MSN) The MSN has a new look. Here are some of the improvements you may notice:
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1 The Medicare Summary Notice (MSN) is a report of doctor visits, services, or supplies billed to Medicare in your name. It is mailed every three months when Medicare has been billed for services and is also available online at MyMedicare.gov. The MSN explains the charges that will be paid by Medicare and those that will be paid by you or your other insurance. If you have questions about reading your MSN, or you notice something that may be fraud or abuse, contact the Illinois SMP (Senior Medicare Patrol) Program at AgeOptions at (800) The MSN has a new look. Here are some of the improvements you may notice: Larger text size and wider spacing to make reading easier Plain, concise language A snapshot on the first page of: o how much of your Part A or Part B deductible you have paid this year o the providers you saw during the reporting period o whether Medicare approved all of your claims Brief descriptions of your medical procedures Easy-to-understand definitions for terms you might not know Information on how to report fraud, notes about preventive medical services, and other important Medicare reminders Easy instructions on how to file an appeal You ll start seeing these changes in 2013 in the mailed copy of your MSN, but why wait? Visit MyMedicare.gov and start using the newly redesigned MSN online today.
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3 The previous page of this booklet shows an example of Page One of an MSN. Page one of the MSN gives an overview of your current Medicare benefits and the claims for services provided in a specified period. It also gives tips on how to check your MSN for important facts and potential fraud. The MSN identifies whether the claims listed are for Part A (hospital insurance) or Part B (medical insurance). The MSN is not a bill. Your name, Medicare number, and deductible status are listed on page one, along with the providers you saw or supplies you received on a particular date. The MSN shows whether Medicare approved your services and items and how much you may be billed in total. (You will want to verify each claim.) What to Check on Page One of Your MSN Make sure your name and address are correct. If any of this information is incorrect, contact Social Security to update the information they have on file. Social Security will update its records and send your new information to Medicare. To locate a Social Security office near you call (800) YOUR MSN IS NOT A BILL BUT DO NOT THROW IT AWAY! It is important to read and check your MSN, because it lists the medical supplies and services you received and can help you detect errors. You should file it along with your medical records. When you no longer need your MSN (meaning after you have verified all claims), shred the notice before you throw it away. Do you need your MSN in another language? Call MEDICARE ( ) to receive your MSN or ask for assistance in a language other than English. Page 3
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5 The previous page shows an example of Page Two of an MSN. Page two of the MSN gives suggestions on how to use the important information contained in the statement. Reviewing your MSN is one of the best ways that you can help detect potential errors, fraud, and abuse. Suggestions are given on how to look for mistakes. It is important to open and read your MSN as soon as you get it to make sure that all of the services listed are services you actually received. Pay attention to messages from Medicare about preventive services and recommendations for your health care. Making the Most of Your Medicare The Illinois SMP Program recommends that you: Keep a record of medical visits, tests, receipts for services, and equipment you have received on a health care calendar. Review your MSN and compare it with your records to make sure they match. If you would like a personal health care journal to record your health care services, call the Illinois SMP Program at (800) Check your MSN for names of providers that you do not recognize. Check for services or products listed on the MSN that you did not receive, are different than what you received, or were not ordered by your doctor. How to Report Fraud If there are supplies or services listed on the MSN that you do not understand, call your provider and ask for an explanation. If they refuse or the explanation is not satisfactory, call the Illinois SMP Program at (800) to report the issue. Page 5
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7 The previous page shows an example of Page Three of an MSN. Page three of the MSN includes consumer-friendly descriptions of medical procedures and outpatient services that were submitted to Medicare in your name. MAXIMUM YOU MAY BE BILLED Make special note of the column that reads Maximum You May Be Billed. This is the most important column on your MSN. This amount is the most a provider can bill you. This amount may include deductibles, coinsurance, and non-covered charges. The provider may NOT bill you more than this amount! If you have Medicare supplement insurance, it may pay all or a portion of this amount. If you have already paid the provider, check to make sure that what you paid matches the amount in the Maximum You May Be Billed column on your MSN. If you paid more than what is listed on your MSN, contact your provider s billing department to request a refund. Description of Service: A brief description of the service performed will be listed for each claim. Make sure this description seems appropriate for the service that you received and that you actually received the service. See Notes Below: If there is a letter in this column, that means there is a note(s) on this claim. Read the Notes for Claim Above section located at the bottom of the page for extra information about the service you received. If your bill has been sent to your supplement insurance, there will be a note here. If you have supplement insurance, wait until you receive (1) an explanation of benefits statement that shows the amount paid to the provider and (2) a bill from the provider before you make a payment for the service. Page 7
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9 The previous page shows an example of Page Four of an MSN. Page four of the MSN includes additional claims and descriptions for medical procedures and outpatient services that were submitted to Medicare. Amount Provider/Supplier Charged (Ignore this column!): This is the maximum amount the supplier charges someone with no insurance. However, Medicare has its own negotiated reimbursement rate for each product or service. This is not what Medicare will pay the provider/supplier or what you or your insurance will owe. Medicare Approved Amount: This is the total amount that Medicare allows a provider/supplier to be paid for this service or product. Amount Medicare Paid: This is the amount that Medicare paid the provider/supplier for that claim. It will often be 80% of the Medicare Approved Amount for Part B claims. Maximum You May Be Billed: See page 7 for information about the maximum you may be billed. Page 9
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11 The previous page shows an example of the last page of an MSN. The last page of your MSN provides you with detailed and easy-to-understand information on how to file an appeal if your claim has been denied. How to Handle Denied Claims or File an Appeal If a claim was not paid by Medicare and you believe that it should be, you have the right to appeal. This page will guide you through that process. You can also call a Senior Health Insurance Program (SHIP) counselor to help you file an appeal. To find a local SHIP counselor in Illinois, call the Illinois SHIP Program at (800) If you live in a different state, you can find your state s SHIP Program by calling MEDICARE ( ). Page 11
12 The SMP Message: Protect Never give out your personal information, especially your Medicare number, to someone you do not know. Detect Read your Medicare Summary Notice (MSN) and look for: Services you did not receive Services different than what you received Services that are not medically necessary Report Call the Illinois SMP at AgeOptions with questions or to report potential fraud: (800) This project is supported in part by grant numbers 90MP0163 and 90SP0015 from the U.S. Administration on Aging, Department of Health and Human Services, Washington, D.C Grantees undertaking projects under government sponsorship are encouraged to express freely their findings and conclusions. Points of view or opinions do not, therefore, necessarily represent official Administration on Aging policy. Page 12
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