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The secondary insurance cover both pays and co-pays of the primary insurance depending with the insurance company.

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โˆ™ 2014-02-12 15:32:20
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Nutrition

23 cards

If you were laid off and apply for insurance coverage on your wife's group policy do you have to answer a medical questionnaire

How many grams of cholesterol should you eat each day to maintain a healthy diet

What would cause a fluttering inside the ear canal

Why is beef fat a solid at room temperature

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Q: Does secondary insurance cover or pay copays of primary insurance?
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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 is meant by primary and secondary insurance coverage?

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.


Will secondary insurance cover claims denied by your primary insurance?

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.


Can you buy secondary travel insurance without primary insurance?

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.


What does coinsurance mean in medical insurance's?

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.


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.


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.


When a primary insurance only covers 50 percent what would secondary insurance cover?

What does the brochure or policy Evidence of Coverage for the secondary policy say?


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 is Supplemental Medical Insurance?

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.


Can i use my secondary medical insurance to cover doctor's fees not in my primary plan?

not that we know of honey


Whose auto insurance will cover you if driving another person's car in California?

Their insurance would be primary and your insurance would be secondary, generally speaking.


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


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 may be co-pays and deductibles to be met with both insurance policies. There could also be write downs--- you should only pay the lesser amount the provider may have to take a loss if one insurance has a lower contracted amount


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% of your remaining balance.


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.


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 to their maximum -- in addition to what the primary pays, which would result in a higher payment against a claim.


What is secondary insurance?

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 both work and carry the medical insurance offered by their respective employers. The husband adds his wife to his policy. The wife adds her husband to her policy. Under most circumstances, the husband's plan would be his primary policy and his wife's plan would be his secondary policy. In like manner, the wife's plan would be her primary policy and her husband's plan would be her secondary policy.Secondary insurance should not be confused with supplemental insurance. Supplemental policies usually abide by the primary insurance guidelines. If the primary allows the charge, the supplemental will allow the charge. Most supplemental policies cover the charges you would normally pay out of pocket. For example: A Medicare supplemental policy would cover the 20% coinsurance left over after Medicare pays 80% of the allowed amount.


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. This process is called coordination of benefits. 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 both work and carry the medical insurance offered by their respective employers. The husband adds his wife to his policy. The wife adds her husband to her policy. Under most circumstances, the husband's plan would be his primary policy and his wife's plan would be his secondary policy. In like manner, the wife's plan would be her primary policy and her husband's plan would be her secondary policy. Secondary insurance should not be confused with supplemental insurance. Supplemental policies usually abide by the primary insurance guidelines. If the primary allows the charge, the supplemental will allow the charge. Most supplemental policies cover the charges you would normally pay out of pocket. For example: A Medicare supplemental policy would cover the 20% coinsurance left over after Medicare pays 80% of the allowed amount.


What does Medicare c plus cover?

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.


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 who is first. Indicating on the insurance form as subscriber does.


Would a supplemental insurance help cover the deductions and copays?

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 and is cheaper to use for copays.


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!


Why doesn't your secondary insurance cover your pharmacy copay?

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.


Anticipated potential problems and developed preventive measures?

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.

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