If you have Original Medicare and your doctor, health care provider, or supplier thinks Medicare probably (or certainly) won't pay for items or services, they may give you a written notice called an "Advance Beneficiary Notice of Noncoverage" (ABN).
The ABN lists the items or services that Medicare isn't expected to pay for, an estimate of the costs for the items and services, and the reasons why Medicare may not pay. The ABN gives you information to make an informed choice about whether or not to get items or services, understanding that you may have to accept responsibility for payment.
You’ll be asked to choose an option box and sign the notice to say that you read and understood it. You must choose one of these options:
- Option 1: You want the items or services that may not be paid for by Medicare. Your provider or supplier may ask you to pay for them now, but you also want them to submit a claim to Medicare for the items or services. If Medicare denies payment, you’re responsible for paying, but, since a claim was submitted, you can appeal to Medicare.
- Option 2: You want the items or services that may not be paid for by Medicare, but you don’t want your provider or supplier to bill Medicare. You may be asked to pay for the items or services now, but because you request your provider or supplier to not submit a claim to Medicare, you can’t file an appeal.
- Option 3: You don’t want the items or services that may not be paid for by Medicare, and you aren’t responsible for any payments. A claim isn’t submitted to Medicare, and you can’t file an appeal.
An ABN isn't an official denial of coverage by Medicare. You have the right to file an appeal if payment is denied when a claim is submitted.
What are the other types of ABNs?
Other types of ABNs include:
- "Skilled Nursing Facility Advance Beneficiary Notice" (SNFABN): A skilled nursing facility (SNF) will issue you a SNFABN if there's a reason to believe that Medicare may not cover or continue to cover your care or stay because it isn't reasonable or necessary, or is considered custodial care. The SNFABN tells you the date when Medicare will likely no longer pay for your services. If you choose to get the services that may not be covered by Medicare, when you have to pay depends on the type of item or service.
- For items that may not be covered under Medicare Part A (Hospital Insurance), you don't have to pay for these services until a claim is submitted and Medicare officially denies payment. However, while the claim is processed, you have to continue paying costs that you would normally have to pay, like the daily coinsurance and costs for services and supplies Medicare generally doesn't cover.
- For items or services that may not be covered under Medicare Part B (Medical Insurance), the SNF may collect money from you now. If Medicare pays, the SNF will refund any payments you made, except a copayment or deductible.
- "Home Health Advance Beneficiary Notice" (HHABN)
- "Hospital Issued Notice of Noncoverage" (HINN): Hospitals use a HINN when all or part of your inpatient hospital care may not be covered by Medicare. This notice will tell you why the hospital thinks Medicare won't pay, and what you may have to pay if you keep getting services.
Note: You may get an ABN if you’re getting equipment or supplies that are in the Durable Medical Equipment Competitive Bidding Program and the supplier isn’t a contract supplier.