65 whether or not the participant has enrolled. This means that the benefits of Medicare Parts A and B will be estimated and benefits under this Plan will be reduced to the extent that benefits would have been paid had you en rolled in Medicare. In addition, if Medicare is the primary plan, and you elect to use a provider who does not participate in Medicare, the benefits of Medicare Parts A and B will be estimated and the benefits under this Plan will be reduced to the extent that benefits would have been paid had your provider been a Medicare participating provider. The Plan’s benefit payment will coordinate with Medicare’s payment. For covered expenses, the Plan will figure its benefit based on the total expense and then su btract the Medicare benefit and consider the balance as payable under the provisions of this Plan. For these expenses, the Plan carves out Medicare’s payment. However, federal law limits the amount a provider (Hospital, physician, etc.) can charge above th e Medicare payment. The Fund cannot pay the provider more than the amount that Medicare shows as the patient liability for Medicare covered services, and the provider cannot legally bill for more than that amount. When Medicare is primary, claims should be submitted to Medicare first. After Medicare pays the claim, submit a copy of the claim, along with the Medicare explanation of benefits, to Cigna. If you remain actively employed and you or any of your eligible Dependents become entitled to Medicare solel y because of end - stage renal disease (ESRD), this Plan pays first (Primary) and Medicare pays second (Secondary) for 30 months starting the earlier of: • T he month in which Medicare ESRD coverage begins; or • T he first month in which the individual receives a kidney transplant. Then, starting with the 31 st month, Medicare pays first (Primary) and this Plan pays second (Secondary). For the first 30 months, as described above, a ny Covered Medical Charges incurred by such disabled individual should be submitted t o this Plan for payment with any unpaid balance submitted to Medicare. Medicare Advantage Programs If you are a retiree who is covered under a Medicare Advantage program through another employer, your coverage under this Plan will terminate. Medicaid If a covered individual, active or retired, is covered by both the Plan described in the SPD and Medicaid, this Plan pays first (Primary) and Medicaid pays second (Secondary). Military Insurance Coverage The Plan does not cover dependent Spouses who are on act ive duty in any armed forces. However, if any covered individual is covered by both this Plan and Military coverage only, this Plan pays first (Primary) and the Military cove rage pays second (Secondary). Veterans Affairs Facility Services If a covered ind ividual receives services in a U.S. Department of Veterans Affairs hospital or facility on account of a military service - related illness or injury, benefits related to the illness or injury are not payable by the Plan. If a covered individual receives serv ices in a U.S. Department of Veterans Affairs hospital or facility on account of any other condition that is not a military service - related illness or injury, benefits are payable by the Plan to the extent those services are medically necessary and the cha rges are reasonable and customary.