Do you need to send a claim to your primary insurance company first if they do not cover the treatment but your secondary insurance will?

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Do insurance companies cover an accident when it is your fault and you don't get the other drivers information for the claim?

Yes, you would be covered by YOUR insurance company, given you have "Full-Coverage" coverage on your policy. Keep in mind, when filing a claim with your own insurance company, that this claim will follow you on a permanent insurance record for 5 years, possibly more in depending on your state. So be ( Full Answer )

With Primary and Secondary Insurance your primary denied your claim because it was over a year is your secondary obligated to pay?

Answer . Yes, subject to the limits in their policy.. Answer . No. With most insurance policies, there is what is called a timely filing limitation. For my company; contracted providers have 6 months, and non-contracted providers have 12 months to submit the claim. If your primary insurance r ( Full Answer )

If you have a copay with your primary insurance but also have secondary insurance do you have to pay the copay before treatment?

%DETAILS% Depends on the doctors office billing procedures. For more details visit yes, your secondary insurance should cover this amount if you have reached your deductible with them. Normally, if the primary insurance applies a deductible or co-insurance/co-pay and you have not ( Full Answer )

Is primary insurance copays covered under secondary insurance?

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.

What does secondary health insurance cover?

Answer . \nFirst check your policy. Then check for the rules on who pays first.\n. \nBasically a 2nd policy will pay what the primary didn't, but not more than 100% of your bills.\n. \nIf the bills are not relevant, then it's a supplem ( Full Answer )

Can you designate which of your insurance is secondary and which is primary?

Secondary medical insurance is a second level of insurance coverage. Under most circumstances, the two policies are independent of each other. One policy may pay for a service while the other may not. The primary policy must pay first, then the secondary. The choice of which policy is primary or sec ( Full Answer )

Can the secondary insurance provider deny a claim that was not filed with the primary insurance provider first?

\n. \n Answer \n. \nLet me tell you what happend to me. I hope that this helps. I used to be covered by two insurance companies. My primary insurance company was through the company that I worked with. My secondary was with the company that my husband works with. When a claim was filed with ( Full Answer )

Will gap coverage cover a totaled vehicle if the insurance company denies the claim?

GAP . No because GAP covers any GAP between what you owe on the car and the cars actual market value if the should your loan balance happen to exceed what your car is actually worth. If you owe $16,000 on a car but you owe 18,000, GAP would kick in and pay the remaining 2,000. You would still e ( Full Answer )

Will secondary health insurance cover what primary does not?

Not necessarily; a secondary insurance policy or plan might only provide additional benefits up to the maximum that it will pay for a specified service. If both plans have rates that are similar, this might result in a small additional payment. Some secondary insurance or health plans might pay up t ( Full Answer )

You have Medicare as primary insurance and BCBS as secondary insurance Do you pay the copay on the secondary insurance?

The answer to this question depends on what kind of secondaryinsurance you have - is it a group health plan? Is it asupplement? . If Medicare is primary, there are still deductibles, copays,coinsurance that would need to be satisfied by your secondaryinsurance. . Based on your question, I'm assumi ( Full Answer )

Primary and secondary health insurance?

You could have two insurance companies pay the same medical bill or claim for a date of service through a process of subrogation where the first insurance company determined by the effective date of coverage will pay their portion of the bill and the second insurance company will pay the balance. Th ( Full Answer )

Can you change your secondary insurance to primary insurance if your coverage is better with the secondary insurance?

In most cases no. You can not chage due to better coverage. 90% of insurance companies, if not more, have what is called a birthday rule. Meaning if you have dependant children on the policy the guardian who was born first (or who is older) is the primary carrier for the dependant children and the y ( Full Answer )

When you have a primary and secondary insurance will the co-pay from your primary insurance be paid by the secondary insurance?

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 w ( Full Answer )

Can we claim insurance companies for depression treatment?

Some insurance policies will pay for depression treatments. You need to get your policy out and look through it. If you can't find it, either call your insurance agent or make an appointment to speak to your benefits coordinator. Many policies will pay for a certain amount of psychiatric treatment, ( Full Answer )

What is primary and secondary dental insurance?

If a husband and wife both have dental insurance through their employers, the employee's insurance is primary when the employee is the patient, and it must pay it's benefits. The spouse's insurance is secondary, and will only pay once the primary insurance has paid. Depending on how the policy is wr ( Full Answer )

What is meant by primary and secondary insurance coverage?

Primary insurance coverage is what is first used when a medicalservice is being rendered. This is what will be billed first.Secondary insurance is supposed to cover what the primary insurancedoes not.

What insurance cover fertility treatments?

Standard health insurance typically does not cover fertility treatments. 17 states mandate coverage, for companies employing more than 50 employees. If you work for one of these companies, you will have coverage. If not, you have to be creative.. Here are some options -. Rebate programs will retur ( Full Answer )

Does insurance cover fertility treatments?

Most often not. Some state mandate some level of coverage for companies with more than 50 employees. If you work for a large employer in headquartered in one of these states, that your treatments may be covered. Supplemental health insurance is available to couples in all 50 states, and all emplo ( Full Answer )

What effect does a claim has on insurance company?

A claim is a liability on part of the insurance company. If a customer makes a claim it means that the insurance company has to pay the customer for the amount is eligible to claim and hence it is a expenditure on the balance sheets of the insurance company.

Can an insurance company refuse to cover employees because of treatments for illness?

What insurance companies will give cover for will depend on many factors. The nature of an illness and the job someone has and the environment they are working on would be very important factors. Different countries would have different laws on what companies can do, and different companies would ( Full Answer )

What happens if primary insurance is PPO and secondary insurance is HMO?

When a DPPO is primary coverage, the charges paid by the patient are based on the agreed DPPO discounted fees--not the DHMO schedule of charges. The dentist would bill the DPPO for the procedures performed. If the dentist is in the DHMO network, he or she would also get his or her regular capitation ( Full Answer )

How is it deemed which insurance coverage is primary and which is secondary?

The answer to that question depends on a few things. 1. Group insurance policies are always primary over personal or self bought You work for ABC company. You have insurance thru them (group policy) and you also pay for an individual or personal policy. Your policy thru ABC would be pr ( Full Answer )

How are primary and secondary insurance determined?

It is usually written in an insurance policy if the policy is primary or secondary. If both policies have language that makes them secondary if other insurance is present then they may split the amount owed. State laws may change this.

Is there an insurance company that will not pay out if i claim?

An insurance contract is an agreement between the insurer and the insured. By its terms, in return for the payment of a premium by the insured, the insurer agrees to pay on behalf of the insured, certain damages for which the injured may be legally liable. The insurer may have other obligations, too ( Full Answer )

Are you obligated to tell your primary insurance about secondary insurance?

Absolutely. I'm not sure what type of insurance you are talking about in particular but you are always required to tell insurance companies of other carriers that may have some liability in a claim. It is illegal to make money from a claim in this manner. Be very careful about items like this that c ( Full Answer )

Do you need to obtain prior authorization from your secondary insurance even if the primary insurance will be billed first?

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 p ( Full Answer )

Are chiropractic treatments covered by insurances?

Chiropractic treatments are covered by insurances, but it takes a little bit of work to get them covered depending on which insurance carrier a person has. HMO's (Healthcare Management Organizations) cover chiropractors on their approved list, and PPO's will cover anyone.

Who determines which insurance is primary and which is secondary if you have 2?

Within each policy there is a clause called the coinsurance clause which will spell out which policy will be primary and which is secondary. I assume that you are referring to health insurance and not any other type of insurance as this occurs mostly in health insurance cases. There are different me ( Full Answer )