Medicare Summary Notice MSN senior couple documents

Medicare Summary Notice MSN

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Your Medicare Summary Notice (MSN)

Your Medicare Summary Notice (MSN) shows Medicare Part A and Part B covered services for people with Original Medicare. It is not a bill. If you receive an MSN, it will list all the Medicare-billed services and supplies from the last 3-month period. Furthermore, it summarizes what Medicare paid and the maximum amount you may owe. 

How often do I get an MSN?

If you received Medicare services or supplies during the last 3-month period, you would get an MSN. Furthermore, your mailed MSN will have the DHHS logo. Otherwise, you will not receive a Medicare Summary Notice.

Thus, Medicare can mail you up to 4 MSNs per year, once every three months. By default, Medicare sends you these printed notices. However, you can go paperless and get an electronic version called eMSN. Then, instead of getting paper copies, you will get an email every month with a link to your MSN. Thus, you don’t have to wait three months.

In addition to getting notified sooner, Medicare.gov saves your MSNs for future reference. You can avoid misplacing or losing your MSNs. So how can you sign-up for an eMSNs?

Medicare Summary Notice MSN every 90 days
Your Medicare Summary Notice (MSN) every 90 days.

Go Paperless eMSN

First, log in to (or create) your secure Medicare account. Then select “Get your Medicare Summary Notices (MSNs) electronically.” Look under the “My messages” section at the top of your account homepage. When you arrive at the “My communication preferences” page, please select “Yes” under “Change eMSN preference.” 

Now that you can access monthly eMSNs, how do I use them?

Medicare Summary Notice MSN senior man computer and phone

How to Use Your MSN

The MSN shows your Part A and Part B deductible status. Before Medicare begins to pay, you must cover your deductible amount (unless you have a Medigap Plan). Furthermore, the MSN shows if Medicare approved all claims and the amount you may be billed. It also names the facilities and dates of service. 

For example, your Part A MSN may show a particular hospital and service date. You can compare your hospital bill with your MSN. Do the service dates and bill amounts match? 

Moreover, your MSN Part A and Part B claims will show a “Maximum You May Be Billed” amount. It also notes the items and supplies you got. Use the MSN to check the maximum amount to pay, and make sure you received all the services, supplies, or equipment listed. 

Medicare Summary Notice MSN senior couple documents
Senior couple checks their MSN claims and amounts.

If you are billed for Medicare services you did not receive, please report fraud to 1-800-MEDICARE (633-4227). 

What to do about denied claims?

Denial of Claim

When MSN approves your claim and a facility denies it, please take the following action: Review the facility’s itemized claim statement and make sure they sent in the correct information. When you change your Medicare Plan, the facility may bill the wrong insurance. 

For example, you upgraded from Original Medicare to Medicare Supplement plan. The facility may say you owe Part A deductible because it does not have your Medigap Plan information. 

What to do when you disagree with the coverage or payment decision on the MSN?

Senior woman reading bad news document
A facility denies your Medicare-approved claim.

Appealing the MSN

If you disagree with the MSN, you can appeal. You have 120 days to appeal your claims. Furthermore, you must file the appeal in writing. Please use the form provided on page 4 of the MSN to file your appeal. Then mail the MSN and supporting documents to the Medicare Claims Office address provided. 

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