How Will My Colonoscopy Be Covered if I Have Medicare And Humana Choice PPO? 
Humana Choice PPO would be a Medicare Advantage plan . When you are on Medicare and have a Medicare Advantage plan , coverage falls under the benefits described in your Medicare Advantage plan . It does not get billed to Medicare first and then to the Medicare Advantage plan carrier -LRB- in this case Humana -RRB- or vice versa . It would only be billed through Humana - the carrier pays their portion and you would be responsible for the portion dictacted by the plan benefits -LRB- e.g. you may be responsible for a deductible and then a coinsurance/copayment amount , etc. -RRB- . Medicare Advantage plans are senior health insurance plans that work similarly to the under 65 health plans -LRB- deductibles , copays , coinsurances , max out of pocket expenses , networks , etc. -RRB- . In short , the gov ' t pays the carrier x number of dollars for each enrollee under the plan and the carrier takes the risk of expenses . So when you have a claim , the claim gets processed through the carrier rather than directly to Medicare . Medicare Supplement plans -LRB- also known as Medigap plans -RRB- operate as a supplement -LRB- key work there - supplement -RRB- to original Medicare -LRB- your Part A & Part B coverage -RRB- . When you have Medicare and a Medicare Supplement plan , the physician -LRB- or hospital or other facility -RRB- bills Medicare and then bills the carrier for their portion of charges - depending on which plan letter you have , you may be responsible for a small portion or nothing at all . The idea of a Medicare Supplement plan is to create a predictable expense structure for your healthcare needs rather than taking on a larger portion of risk of expenses on claims . Plus , the Medicare Supplement plan structure allows you to go to any doctor that takes Medicare , meaning no networks and they are not restricted to annual enrollment periods like Medicare Advantage plans are . If you want to take a look at a Medicare Supplement plan to see how it compares , I can help you with that . The Medicare Advantage Disenrollment Period -LRB- MADP -RRB- is from January 1 - February 14 of each year so you have an option to change if you decide to do so . Please note , depending on several factors , you may or may not be subject to medical underwriting for a Medicare Supplement plan -LRB- e.g. whether you are new to Medicare , this is your first time in a Medicare Advantage plan , whether you have a guaranteed-issue right , etc. - I can help determine this -RRB- . My contact information is cited on my agent profile - you can access it by clicking on the `` contact me '' button . I hope the information is helpful - please let me know if you have any other questions I can assist with . Thanks very much . 