1. 15786 POINTS
    Bob VineyardPRO
    Founder, Georgia Medicare Plans, Atlanta,GA
    Medicare "replacement" insurance would be something like a Medicare Advantage plan.
     
    When you enroll in a Medicare Advantage plan you are no longer in traditional Medicare. Your coverage is handled by a private insurance carrier.
     
    Your medical providers file claims with your Advantage carrier, not with Medicare.
     
    Your Advantage carrier has the final word on claim approval and payment.
    Answered on April 25, 2013
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