The secondary insurance cover both pays and co-pays of the primary insurance depending with the insurance company.
Depending on your coverage, your primary insurance will cover 80% of your charges, minus your deductible (if not already met). Your secondary insurance will pick up the remaining 20% co-insurance and your co-pay, if you have one.
Primary insurance coverage is what is first used when a medical service is being rendered. This is what will be billed first. Secondary insurance is supposed to cover what the primary insurance does not.
As long as it is a covered expense by your secondary insurance and a claim has been filed with the primarty insurance then the answer is yes. The secondary insurance will only cover the expense according to your plan.
It's secondary or tertiary insurance that is held to cover any medical expenses the primary insurance policy does not cover or does not cover completely.
Put simply, yes, you can buy travel insurance or travel health insurance without primary insurance. That's just as well, as your primary insurance may not cover you (or cover you completely) when you travel overseas.
Supplemental Medical Insurance is in addition to your primary insurance. It is used to help cover the cost of copays, deductibles, and co-insurance. The most common time of SMI is Medicare Supplement Plan. It helps to cover what the medicare plan doesn't. If a person were to have Medicare Part A & B and also and AARP Supplement plan, it covers their copays for benefits and helps with covering costs of prescriptions.
No, it's fraudulant. It's not practical, the secondary insurance should pay the remainder of the cost the primary insurance doesn't cover.
What does the brochure or policy Evidence of Coverage for the secondary policy say?
Yes. For more info. see www.SteveShorr.com/supplemental.htm
Your secondary insurance has different PA criteria than your primary insurance. A PA means that your insurer will only cover a service under certain circumstances; company A may cover a service for 3 conditions and company B may only cover the same service for only 2 conditions. Your primary could pay and your secondary may not.
not that we know of honey
Their insurance would be primary and your insurance would be secondary, generally speaking.