Private insurance considers itself *secondary*--with Medicare as primary.Only if you are paying for the health insurance yourselfNo, the insurance company sets the rules for that. If they agree to sell you a policy with them being primary and Medicare being secondary, then the cost is WAY higher. I have seen this specifically stated in health insurance policies. They stated they were *secondary* and obtaining Medicare coverage (if available) was *mandatory*. In fact, they would not process anything UNTIL your application for Medicare--with a subsequent rejection letter--was presented to them.
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