Yes. Your doctor is not required to file to your secondary insurance.
appeal to secondary insurance
Here's a basic example of how secondary health insurance works. You go to the doctor, he charges you $100 for the visit. Your primary insurance pays him $50 and disallows $10. The remainder of the bill, $40, then either comes to you to pay or to a secondary insurance. In most cases the secondary will pay most, if not all of the $40.
not that we know of honey
I have insurance paid for by my employer (primary) and through my husband's employer (secondary). In my experience, I have never had to pay the copay required by my primary because it is covered by my secondary. When I first got married, 2 years ago, I still paid the copay, but the doctor's office would always send me a check for the copay a month later because the secondary paid it.
Good question, read the policy. It wouldn't hurt to send both.
Sure, but the doctor will expect you to pay the bill, probably before you leave the office. Although, if you explain that you don't have insurance, they might discount their services a bit.
It really depends on the doctor, the insurance coverage, your deductable, your insurance provider, and the reason and result of your doctor visit.
Physician practices are not required to submit insurance claim forms, but they generally do it as a service to the patient and to ensure proper payment.
It can be your primary doctor or a doctor that the life insurance company chooses.
The doctor bills insurance for your office visit. Insurance will pay the doctor their contracted rate and the rest is written off. if you are billed for charges after the insurance paid, call your insurance company.
Some do and some do not. You have to check with each individual doctor.