1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Everyone who is 65 or older must sign up with Medicare.  Medicare is the primary coverage for everyone over age 65.  Every other plan integrates its benefits to Medicare.  When it comes time to pay for services Medicare pays first and then passes the bill to a supplemental insurance company or in this case HMO.  From the patients viewpoint this is a seamless operation.
    Answered on May 9, 2014
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