obviously I do not understand the difference between Medicare and a medi- gap policy. My mother used to pay for a medical insurance policy monthly that was her "primary insurance" and Medicare was secondary. All of her Drs and hospital bills and labs were covered and she only had to pay a portion of her drug bills. The first company became too expensive so she switched to a different company that was taken over by her current company. Mom has large co-pays for any dr who is not her GP.
A doctor told me that I should switch mom over to Medicare as primary, that a lot of Doctors do not like the private company that she has. This Doctor stopped taking the company that my mom has because they paid so little and that Medicare paid better.
I met a stranger yesterday outside of the doctors office and she told me that she had Medicare as primary and Medicaid as secondary and that she does not pay any co-pays and nothing when she is in the hospital. Mom does not qualify for Medicaid but is there another way that I can get a policy that would pay what Medicare does not pay? Is that what a "gap policy" is? Mom does have Medicare part D for drugs and her drug bill is around $150 a month until late fall when she will reach her limit then things will be nearly free.
Please can someone explain the differences to me that I am not understanding. I googled it but found that confusing too. Thanks!