Healthcare professionals who accept Medicare are legally required to send claims directly to them, so you’ll likely never need to file your own claim. But if you do have to file one, this is what you’ll need to know.

Most people may never need to file a Medicare claim themselves. In some circumstances, though, it might be required. If so, the process is simple and straightforward.

This article provides step-by-step instructions for filing your own Medicare claim. Continue reading to learn more.

Medicare-approved doctors, healthcare professionals, and facilities usually follow direct billing practices and send claims directly to Medicare.

People with Medicare Advantage (Part C) shouldn’t need to file claims because Medicare pays the private insurers that offer these plans each month.

People with Original Medicare (parts A and B) may need to file their own claims if their healthcare professional:

  • cannot file a claim
  • will not file a claim
  • is not enrolled in Medicare

If you have Original Medicare, you’ll receive a Medicare summary notice in the mail every 4 months. This notice is not a bill, but details your Medicare plans and costs.

You can also choose to receive a Medicare summary notice electronically. If you register for this service, you’ll get an email link to your summary notice for any month that a claim is processed. This means you don’t have to wait for a paper copy.

To register for an electronic Medicare summary notice, log into or create a Medicare account.

If you think any claims are wrong, bring the form to your doctor or healthcare professional’s billing office.

In the rare case that you need to file a Medicare claim yourself, you must do so within 1 year of receiving the treatment or service. Medicare may reject your claim if you wait longer.

Follow this step-by-step guide to ensure you gather and submit all of the required information.

The first thing you’ll need to do when filing your claim is to fill out the Patient’s Request for Medical Payment form.

With this form, you’ll provide most of the information that Medicare will need to process your claim. The form will ask you to include:

  • the reasons why you saw your healthcare professional
  • whether you got treatment for a work-related illness or injury
  • the details of your health insurance plan

There may be other requirements, too, depending on what the claim is for. You may need to provide additional details on certain claims, including those for:

  • services covered under Medicare Part B
  • durable medical equipment (such as wheelchairs, walkers, or feeding pumps)
  • healthcare services received in Canada or Mexico
  • treatment received in hospitals outside the United States, Canada, or Mexico

The next step in filing your own claim is to get an itemized bill for your medical treatment.

Itemized bills describe in detail exactly what you’re paying for. Your claim will be valid when you receive an itemized bill for your treatment. Ask your healthcare professional for an itemized bill if the one you initially get isn’t itemized.

Your itemized bill should include:

  • the date of your medical treatment
  • the hospital or doctor’s office that you visited for treatment
  • your doctor or healthcare professional’s name and address
  • a description of each surgical or medical treatment received
  • an itemized charge for each treatment or service
  • your diagnosis

You’ll need to add any supporting documents to your claim after getting an itemized bill for your treatment.

Supporting documents may include doctor referrals or details of your medical history. You should fill out the Authorization to Disclose Personal Health Information form if:

  • You want someone to call Medicare about your claim on your behalf.
  • You want Medicare to give personal information about you and your claim to someone else.

The final step in filing your own Medicare claim is to mail all the completed forms and documents to Medicare. This includes the Patient’s Request for Medical Payment form, itemized bills, and any other supporting documents to your claim.

You must file your Medicare claim by mail. There isn’t an option to file your Medicare claim online.

According to Medicare.gov, you may find the address for where to send your claim in two places:

  • on the second page of the instructions for filing a claim, listed as “How do I file a claim?”
  • on your Medicare summary notice, which may be found in your personal MyMedicare account

After receiving services covered by Medicare, you have 1 year to file your claim. Your claim may be rejected if you wait longer.

It’s important to follow the correct steps when filing your Medicare claim, and you can contact a Medicare representative if you have any questions.

You can also log into your MyMedicare account to check the status of your claim. You may need to wait 24 hours after Medicare processes your claim for it to appear in your online account.