▲ 2 r/medicare
Plan N and No copay
Last October 2025 I went on Medicare and obtained my medigap Part N through Cigna. A few months later my medigap transferred to HealthSpring.
Since meeting my deductible, I’ve had several Physical therapy sessions and 4-5 doctor office visits. No one has collected a co pay up front, nor have I been billed for my copay which should be up to $20 under Plan N.
Medicare EOBs show I “may” owe the remaining 20%. My HealthSpring patient portal show that no claims have been submitted.
Medicare is showing my other insurance to be LOYAL AMERICAN LIFE INSURANCE CO which I believe is the underwriter for HealthSpring
Why might I not be incurring a copay? Or does billing by the provider just take several months?
u/up4luck — 6 hours ago