Does secondary insurance cover or pay copays of primary insurance?
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.
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.
If the father is primary based on birthday and the mother is secondary is it legal for the mother to use her insurance as primary by not telling the provider about the father's insurance?
No, it's fraudulant. It's not practical, the secondary insurance should pay the remainder of the cost the primary insurance doesn't cover.
If you have a 900.00 deductible on your primary insurance and none on the secondary insurance can the secondary be used to cover the deductible?
Yes. For more info. see www.SteveShorr.com/supplemental.htm
What does the brochure or policy Evidence of Coverage for the secondary policy say?
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 pay and your secondary may not.
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.
not that we know of honey
Their insurance would be primary and your insurance would be secondary, generally speaking.
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 secondary is established by a shared rule between insurance companies. It is not the policy holder's choice. Examples of Primary/Secondary coverage: A husband and wife… Read More
The insurance company with the first responsibility for payment of a bill for medical services is known as?
The Primary is the first responsiblity of medical billing and if you have dual then the secondary will cover what the primary does not if not its out of pocket or Dudctible
If you have a copay with your primary insurance but also have secondary insurance do you have to pay the copay before treatment?
Depends on the doctors office billing procedures. For more details visit www.SteveShorr.com 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 met your deductible on your secondary policy, depending on your policy they may apply the remaining balance to your deductible. Normally after the deductible is met on the secondary ins. they pay 100%… Read More
Are health care providers obligated to accept payment from a secondary insurance with whom they participate when the provider does not participate with the patient's primary insurance?
Yes they will have to accept payment from the secondary insurance, however they will have to bill the primary provider first. What ever the primary insurance does not cover should be covered by the secondary insurance. However, it will depend on the service being provided and the contracted amount that each insurance has agreed to pay. If the primary pays more than the secondary would have paid -there may be a refund due. However, there… Read More
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 to their maximum -- in addition to what the primary pays, which would result in a higher payment against a claim.
Medicare C (Medicare Advantage or Medigap) is private insurance that you choose and pay for, to cover expenses not covered by Medicare A & B, such as copays, deductibles etc.
My Ex-Wife is using her medical card for our kids and not using the insurance I am using to cover them. Shouldn't she be using mine as primary and the card as secondary?
It usually depends on the birthday of the parents, as to who's comes first in the year, That would be the primary and the other the secondary.
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. This process is called coordination of benefits. Secondary medical insurance is a second level of insurance coverage. Under most circumstances, the two policies are… Read More
If you and your wife both have insurance through your companies and her birthday is first whose is the primary insurance for the family?
If you sign up for insurance with your company, You have to indicate who is primary subscriber between yourself and wife. If both a wife and a husband sign up with the same company and both have stated they are primary, Your wasting your money. In the insurance world, secondary insurance was purchased because you want coverage for medical cost and pharmacy cost your primary insurance does not cover. Birthdays having nothing to do with… Read More
There are some supplemental insurances that will cover incidents that come up. You use the money as you see fit. Usually though, you are really saving money by taking an insurance that has a higher deductible/copay since the premiums are lower. We are so used to an all-encompassing insurance plan, but those are going by the wayside in the current (2010) market. Also, if you contribute to a health savings plan, that money is pre-tax… Read More
The answer to the question, is it depends. State laws on coordination of benefits (CoB) can impact the answer, but there is a general rule of thumb. If the dentist participates in a network that is connected to the patient's coverage--whether that coverage is primary or secondary, the participating network contractual relationship determines the amount that can be collected from the patient. Here's a table that was developed by the National Association of Dental Plans… Read More
What if your husbands dental insurance doesn't cover crowns and you can get dental insurance through your company does he have to drop you from his?
Absolutely not. However your husbands policy would become your secondary insurance and you would hold your own primary insurance. Make sure you check with each insurance company to verify that the offer coordination of benefits on what is considered major work!
This is referred to as contingency insurance, whereby a secondary insurance cover is taken to protect an insured in case the primary insurance cover taken by another party does not respond to the loss for one reason or another. It is also an insurance policy that covers several remote risks, and is bought generally where legal remedies to a loss are slow, uncertain, or non-existent.
Your secondary insurance may not cover a pharmacy copay because it is not viewed as necessary or has not been approved. This is usually associated with premium medications or those which have a preferred drug over the prescribed medication.
If you have Tricare Prime through your husband who is retired military and you also have Blue Shield through work as a federal employee which is primary and which is secondary?
Tricare prime from your husband is the primary and your federal employee insurance is secondary. It means whatever Tricare Prime does not cover, Blue Shield should pick it up. Ah, wrong. If you read the Tricare documentation, it clearly states if you have another health insurance company, Tricare is automatically the secondary. It doesn't matter who is the military member.
A car with liability insurance only is borrowed and in an accident Car is totaled Whose insurance will cover?
When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the… Read More
If you are on two medical insurance plans and the primary will not pay for a prescription can the secondary be used to cover it?
Depends what the 2nd policy pays for. Doesn't hurt to send in the claim forms. Try reading the policy or brochure.
no not always, They will become your secondary ins.. Meaning your primary ins will pay and whatever patient resp is left or whatever they don't cover. medicaid takes care of that
If you have 4 autos and 4 drivers can you list your 2 teen drivers as part time drivers on 2 of the cars?
Depends on your insurance company. Some require one primary driver to each car if you have 4 cars with 4 people living in the house. But some allow you to list the parents as primary drivers for all 4 cars and have your 2 teen drivers listed as secondary drivers. Your auto insurance will cover all of you regardless of who is primary or secondary driver.
You should have coverages available but your policy is considered secondary to the insurance that is on the vehicle.
First check your policy. Then check http://www.steveshorr.com/technical_questions.htm#Primary for the rules on who pays first. Basically a 2nd policy will pay what the primary didn't, but not more than 100% of your bills. If the bills are not relevant, then it's a supplemental policy.
Are health care providers obligated to accept payment from a secondary insurance at their fee schedule when the provider does not participate with the the patient's primary insurance?
It has been my experience that providers of health care are not obligated to accept secondary or even primary insurnace coverages if they are not under contract with that insurance company. I believe they are free to accept no insurance coverage at all and demand "cash" up front if they so desire. This would leave it your responsibility to sent the bill to your insurance(s) carrier(s) and get direct payment assuming they cover out of… Read More
Who is responsible for an accident the driver of the vehicle or the person who is under the insurance?
it may depend on the state, but when I was in the insurance business in Tennessee, the primary insurance on the car kicked in first, then if that insurance didn't cover the damamge (IE: insurance limits were too low, or there was no primary insuance) then the driver's insurance kicked in.
In most states, insurance follows the car. The policy in effect for the car is usually primary regardless of who was driving. If there are limits issues or coverage issues, then the policy held by the driver may apply as secondary coverage.
During the year your wife had insurance and later in the year you got insurance as well who would be primary?
Till such time that you got your own insurance, your wife's policy will cover you as her dependant. But now that you have your own policy, yours will be the primary.
all depends on the blue cross plan you have. A lot I come by through my job as an insurance biller the secondary will pick up any copays that medicare wouldn't cover. But there is some plans that won't pay if medicare doesn't pay. So, really, yea, your secondary should pick up some cost. Unless it is just co-pays, they have the choice to make that your responsibility as a member. Do take the time… Read More
If you have the same insurance for your primary and secondary can you still end up with a balance you owe?
Having the same insurance company twice, as a primary and secondary, means you are paying twice for the same insurance policy. They probably will not cover the same thing twice, or they may treat it as two different policies and may treat it that way. If they were two different policies, The primary would deal with any deductible and copay before fulfilling its contractual obligation and so would the secondary policy depending on the wording… Read More
Will homeowners insurance on your primary property cover items you were keeping in your uninsured second home?
Some insurance policies will cover a short nursing home stay if the primary caregiver goes in the hospital. Certain out of pocket expenses may be charged based on the level of coverage.
Typically, the cost is around $60 per month, but some plans pharmacies charge as much as $90 or more per month (minus whatever your insurance may cover). Copays run from $15 - $35 per month, depending on the insurance plan.
Your personal auto coverage will not cover their vehicles. What they are probably asking for is to make sure you have coverage in case you drive your vehicle on errands or such for the company. If you go to the post office to get the company mail your personal auto insurance will be the primary insurance and then if they have an endorsement to their insurance called "hired and non-owned auto" it will provide secondary… Read More
Sometimes. Depends upon your particular health conditions. One with diabetes, for instance, is going to need secondary medical insurance to help cover the expenses that Medicaid or Medicare do not cover completely.
If medical insurance will not cover injuries from an auto accident why do they ask if you have it and then limit your coverage?
Medical insurance should cover any injuries substained no matter how they were caused. Health insurance is only responsible (in most cases) for what your car insurance and the third party involved's insurance does not pay. Legally, car insurance is primary over health insurance.
the primary radar mostly we used for air traffic control and other civil society work but this primary radar will not cover the whole requirement data. But secondary radar system will give all the details which we required Also mostly we used for it for security purpose and we can take the IFF and SSR from this secondary
There is no company called 'Contents Insurance', however it is possible to buy contents insurance from many different insurance companies. Contents insurance is normally bought on your primary residency, this will cover you against unexpected loss.
If an out of state driver with no auto insurance has an accident in NJ is their health insurance or the NJ driver's auto insurance primary?
Someone's health insurance is not going to cover any injuries in an auto accident. That covered by the insurance on the vehicle. Since there wasn't any, it would appear the victim(s) only recourse would be to sue. And hope they can collect any judgment they might be awarded. Health Insurance WILL most definitely cover injuries resulting from an automobile accident. Some motoe vehicle insurance policies even have a "health insurance primary" option. The questions was… Read More
The driver's insurance will take the lead, if something extra is needed, the person who owns the car's insurance will be secondary. Both will be involved to some extent.
For an unmarried 25 year old is secondary insurance available to cover the 20 percent not covered by an employer's group policy?
Yes. It is called suplemental insurance .. your age and marital status are irrelevant.