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I have a client that just went to his primary care doctor for the first time since going on Medicare. He has his Supplement with Aetna. The doctor's office told him they would file with Medicare but he would have to pay the coinsurance and the deductible in order to see the doctor. The office manager told me that is how they handle all of their Medicare patients unless they have an Advantage Plan and they are in network with that plan. Is it legal to collect the coinsurance in advance without first filing the claim with his Supplement? The office manager said after the Supplement pays them they would reimburse the patient. INSANE!