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My provider didn't file my Medicare claim. How do I file it myself, and by when?
Health insuranceHow to fileChecked Nov 5, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-05 · Source: Medicare.gov View original ↗
In short
- You can file the claim yourself with form CMS-1490S.
- Send the form, the itemized bill, and a short letter.
- File within 12 months of the date of care.
What this means
Medicare.gov says you can file the claim yourself with the Patient Request for Medical Payment form (CMS-1490S) [1]. Generally you send [1]: • the completed CMS-1490S; • the itemized bill from your doctor, supplier or other provider; • a letter explaining why you're submitting the claim (for example, the provider can't file it, refuses to file it, or isn't enrolled in Medicare); and • any supporting documents, like notes from your doctor.
With Original Medicare, you mail these to the address for your state listed in the Medicare Administrative Contractor address table inside the claim form [1].
Medicare.gov says claims must be filed no later than 12 months (1 full calendar year) after the date the services were provided, unless an exception applies. If a claim isn't filed in time, Medicare won't pay its share [1]. With a Medicare Advantage plan and in-network providers, the providers usually submit the claim to your plan [1].
Help is available from your State Health Insurance Assistance Program (shiphelp.org) or 1-800-MEDICARE (1-800-633-4227) [1].
Your next step
+ deadline: file within 12 months of the date of service [1].
Where this comes from (1)
[1] Medicare.gov · checked 2026-11-05
You can download and fill out a form, called the Patient Request for Medical Payment form (CMS-1490S) . … Generally, you'll need to submit: The completed claim form … The itemized bill from your doctor, supplier, or other health care provider A letter explaining why you're submitting the claim (like if your provider or supplier isn't able to file the claim, refuses to file the claim, or isn't enrolled in Medicare) An…
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-05.
What we don’t know yet
Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.
Every answer is checked against the official rule it quotes.
Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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