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.
It can be your primary doctor or a doctor that the life insurance company chooses.
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.
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.
You must visit your primary care physician before seeing any other doctor for your tapeworm. Then, if it is beyond your primary doctor's ability to care for it, they will refer you to a doctor that accepts your insurance.
Some do and some do not. You have to check with each individual doctor.
Ask your doctor if he is part of the new insurance network that you are joining.
You can choose any doctor you would like with blue Cross Insurance. As long as the doctor is registered with the BCBS you will be covered.
Do not get this insurance they won't pay.
The somewhat cynical answer is "because he wants to estimate how long your insurance companies are going to argue about which of them should pay before he actually gets paid."
maybe, it depends on what insurance
Yes, as of March 2014, MetLife Term Insurance does require a physical from a doctor.
I have been a medical biller for over 10 years. It is always whoever is going to the doctor that one's insurance will pay. So, the husband goes to the doctor it is his insurance that would be the primary insurance and the wife's insurance could then be billed for the balance, i.e. copay, deductible, etc.
Typically, you find a doctor who accepts assignment from your insurance company by contacting your insurance company for a list of participating providers.
A copay is a "set" dollar amount you pay at the time of treatment. For instance, a $35 doctor copay. If you have level one doctor visits, you pay nothing more than the $35 doctor copay. Co-insurance is the percentage you share with the insurance company after your deductible has been met. When you have two policies - your primary insurance will pay first (subject to deductible and co-insurance), and then your second policy starts with the balance left from the primary policy (subject to deductible and co-insurance again). For instance a primary policy with a 5,000 deductible and 80/20 co-insurance of $5000. Your bill for surgery is 6000. You pay 5,000 + 20% of $5000 (1000) = $6000.00 Your balance of your surgery bill is 0
I was terminated on June 2011. I have Fibromyalgia I have not seen a doctor since 2011 because i have no health insurance. Can I still claim state disability if my future doctor sighs my paperwork?
Unless you have an emergency, you must enquire ahead of time, remind you Doctor before they make referrals, and if pertinent, provide your Doctor with a Formulary of covered medications, tests and therapies for your plan.