MSN Guide: How to Read Your Medicare Summary Notice
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1 MSN Guide: How to Read Your Medicare Summary Notice
2 MSN Guide How to Read Your Medicare Summary Notice This MSN Guide: How to Read Your Medicare Summary Notice was designed to help you read and understand the Medicare Summary Notice. The Medicare Summary Notice or MSN is a quarterly statement received by each Medicare beneficiary that lists health insurance claims. It is not a bill. No money should be sent to Medicare. In addition, money should not be sent to the providers of service until a bill is received and verified accurate. If you have a Medicare Part D prescription drug plan you will receive a monthly Explanation of Benefits (EOB) directly from the plan. It is important to read your MSN carefully. Make sure the services, medical equipment or supplies for which Medicare was billed were received. If you have any questions, contact Medicare ( ). If you disagree with the claims decision, you have the right to file an appeal. Follow the instructions on the MSN to file an appeal. To order additional copies of this guide, contact Indiana SMP Project at (317) Extension 206. A word about Medicare fraud, waste, and abuse Remember to Protect, Detect and Report Protect yourself from Medicare errors, fraud, and abuse. Here are some ways to take an active role in protecting your healthcare benefits: Treat your Medicare, Medicaid and Social Security numbers like a credit card number. Never give these numbers to a stranger. Record doctor visits, tests, and procedures in your personal health care journal (PHJ) or calendar. Remember, Medicare doesn t call or visit to sell you anything. Don t be fooled if it sounds too good to be true, it probably is. Save Medicare Summary Notices and Part D Explanation of Benefits. Shred the documents when they are no longer useful. Detect Learn to detect potential errors, fraud and abuse. Here are some steps you can take to detect potential errors, fraud and abuse: Always review your Medicare Summary Notice (MSN) and Part D Explanation of Benefits (EOB) for mistakes. Compare your MSN and EOB to your personal health care journal and prescription receipts to make sure they are correct. Look for three things in your billing statement: 1. Charges for something you didn t get 2. Billing for the same thing twice 3. Services that were not ordered by your doctor Report - If you suspect that you have been a target of errors, fraud, and abuse, report it. You may prevent other people from becoming victims and help to save your Medicare benefits. Here are some steps you should take to report your concerns: If you have questions about information on your MSN or Part D Explanation of Benefits, call your provider or plan first. Call MEDICARE ( ) Website: If you are not comfortable calling your provider or plan or you are not satisfied with the response you get, call your local Area Agency on Aging for assistance at Website: Call SHIP (Senior Health Insurance Information Program) Website: Office of Inspector General Hotline HHS-TIPS ( ) For Prescription Drug Program premium assistance for low income seniors, contact HoosierRx Questions about Home Health and Hospice Charges, call Palmetto GBA Medicare Website: 2
3 Medicare Summary Notice Guide How to Read Your Medicare Summary Notice (MSN) - Part A Below is a sample Medicare Summary Notice (MSN) for Part A services and information on how to read it. The MSN is not a bill. Do not send money to Medicare or to the provider until you get a bill. 1. Date: Date MSN was sent. 2. Customer Service Information: Who to contact with questions about the MSN. Provide your Medicare number (3), the date of the MSN (1), and the date of the service you have a question about (7). 3. Medicare Number: The number on your Medicare card. 4. Name and Address: If incorrect, contact the company listed in (2), and the Social Security Administration immediately. 5. Be Informed: Messages about ways to protect yourself and Medicare from fraud and abuse. 6. Part A Hospital Insurance - Inpatient Claims: Type of service. See the back of MSN for additional information. (Please Note: For outpatient services, this section is called "Part B Medical Insurance - Outpatient Facility Claims.") 7. Claim Number: Number that identifies this specific claim. 3
4 8. Provider's Name and Address: Facility's name and billing address. The referring doctor's name will also be shown. The address shown is the billing address, which may be different from where you receive the service(s). 9. Dates of Service: Dates service was provided. You may use these dates to compare with the dates shown on your hospital bill. 10. Benefit Days Used: Shows the number of days used in the benefit period. See the back of your MSN for an explanation of benefit periods. (Please Note: For outpatient services, this column is called "Amount Charged." 11. Non-Covered Charges: Shows the charges for services denied or excluded by the Medicare program for which you may be billed. 12. Deductible and Coinsurance: The amount applied to your deductible and coinsurance. 13. You May Be Billed: The total amount the provider may bill you, including deductibles, coinsurance, and non-covered charges. Medicare supplement (Medigap) policies may pay all or part of this amount. 14. See Notes Section: If letter appears, refer to (15) for explanation. 15. Notes Section: Explains letters in (14) for more detailed information about your claim. 16. Deductible Information: How much of your deductible you have met for the benefit period. 17. General Information: Important Medicare news and information. 18. Appeals Information: How and when to request an appeal. 4
5 Medicare Summary Notice Guide How to Read Your Medicare Summary Notice (MSN) - Part B Below is a sample Medicare Summary Notice (MSN) for Part B services and information on how to read it. The MSN is not a bill. Do not send money to Medicare or to the provider until you get a bill. 1. Date: Date MSN was sent. 2. Customer Service Information: Who to contact with questions about the MSN. Provide your Medicare number (3), the date of the MSN (1), and the date of the service you have a question about (7). 3. Medicare Number: The number on your Medicare card. 4. Name and Address: If incorrect, contact the company listed in (2), and the Social Security Administration immediately. 5. Be Informed: Messages about ways to protect yourself and Medicare from fraud and abuse. 6. Part B Medical Insurance - Assigned Claims: Type of service. See the back of MSN for information about assignment. (Please Note: For unassigned services, this section is called "Part B Medical Insurance - Unassigned Claims.") 7. Claim Number: Number that identifies this specific claim. 8. Provider's Name and Address: Doctor (may show clinic, group, and/or referring doctor) or provider's name and billing address. The referring doctor's name may also be shown if the service was ordered or referred by another doctor. The address shown is the billing address, which may be different from where you received the services. 9. Dates of Service: Date service or supply was received. You may use these dates to compare with the dates shown on the bill you receive from your doctor. 5
6 10. Amount Charged: Amount the provider billed Medicare. 11. Medicare Approved: Amount Medicare approves for this service or supply. 12. Medicare Paid Provider: Amount Medicare paid to the provider. (Please Note: For unassigned services, this column is called "Medicare Paid You.") 13. You May Be Billed: The total amount the provider may bill you, including deductibles, coinsurance, and non-covered charges. Medicare supplement (Medigap) policies may pay all or part of this amount. 14. See Notes Section: If letter appears, refer to (16) for explanation. 15. Services Provided: Brief description of the service or supply received. 16. Notes Section: Explains letters in (14) for more detailed information about your claim. 17. Deductible Information: How much of your yearly deductible you have met. 18. General Information: Important Medicare news and information. 19. Appeals Information: How and when to request an appeal. Medicare & You provides more information about coverage and other services. For a free copy, call Medicare ( ) or visit the website Also, please note that you will receive a separate Explanation of Benefits (EOB) directly from your plan or provider for your Medicare Part D prescriptions. The Indiana SMP Project is supported by grant number 90AM3074 from the Administration on Aging, the Centers for Medicare and Medicaid Services (CMS), 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. 6
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