Is Medicare Primary Insurance? 
For most persons , Medicare is your primary insurance . That means it is your coverage that pays first , up to the limits of benefits you have . If there are additional expenses that Medicare does not cover , you can have a secondary carrier that will pay some of those expenses . It is also possible for Medicare to be a secondary carrier . One example would be in specific instances where your employer -LRB- or spouse 's employer -RRB- provides healthcare coverage . Then , that coverage would pay first . 