When you have Medicare and another type of insurance, Medicare is either your primary or secondary insurer. Use the table below to learn how Medicare coordinates with other insurances.
|Type of Insurance||Conditions||Primary||Secondary|
|65+ with job-based insurance||Fewer than 20 employees||Medicare||Employer|
|Disabled job-based insurance||Fewer than 100 employees||Medicare||Employer|
|Liability insurance||Liability-related claims||Liability||Medicare|
|Unrelated medical claims||Medicare||Not applicable1|
|Retiree insurance||Not eligible for Medicare||Retiree||Not applicable|
|Eligible for Medicare||Medicare||Retiree|
|Veterans Administration (VA) benefits||Claim from VA facility||VA benefits||Not applicable2|
|Claim from non-VA facility||Medicare||Not applicable|
|COBRA||Had COBRA before enrolling in Medicare||Medicare||Not applicable3|
|Had Medicare before becoming eligible for COBRA||Medicare||COBRA|
|Medicaid||Eligible for Medicare||Medicare||Medicaid (payer of last resort)|
1 Liability insurance only pays on liability-related medical claims.
2 VA benefits and Medicare do not work together. Medicare does not pay for any care provided at a VA facility, and VA benefits typically do not work outside VA facilities.
3 COBRA ends if you had COBRA before enrolling in Medicare.
Note: There are separate rules for individuals who are Medicare-eligible due to End-Stage Renal Disease (ESRD).